BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: MoneyLion Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to sign up for the MoneyLion product three weeks ago and it has been plagued with time out errors since. First they said they couldn't verify my identity with XXXXXXXX  but nowhere did I ever receive a proper FCRA compliant request for an authorization to pull my report. This wasn't an outright denial it was weeks of yanking my chain until finally I pulled every report I could think of and found that they did a soft pull of data using XXXX XXXX and XXXX  which they are claiming is " public data. '' I don't want the account now. I want all my financial information removed from their system. You should go audit these folks thoroughly for XXXX, XXXX and XXXX violations : among the risk factors that were evident that I could see in the process : Reputational : Willing to lie to a customer and risk the charter of their partner bank ( XXXX XXXX Bank ) to avoid the fact their product has errors. 

Operational : When a clear breakdown is brought to their attention - the absence of a in flight review and override process to timely review and correct does not exist Compliance. The account opening process is automated and lacks adequate quality controls to ensure that an actor with sufficient technological skill couldn't inject into the process. Staff do not possess adequate financial background to converse with the diversity of the customer base to discern the difference between a risk and a process failure resulting in a unhappy customer. 

As a disabled person who is putting their life back from a series of events this an event that I did not need. I could see this actually being far worse if I were not a former bank risk management officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Risecredit, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
When I looked at my online account balance on XXXX, it stated it was - {$200.00} ( meaning I over paid and was due a refund ). However, when I called to inquire about my overpayments, they told me I still owed {$150.00} on the loan. They claim to have no record of what I saw on my end, I sent the company a screenshot and explained that it was fraudulent behavior to have differing account balances due, they said I was looking at the wrong balance and should have been looking at another page. From my understating the account balance should accurately report the balance a consumer owes consistently on all pages, formats etc. There should not be differing balances due, that is in direct violation of the fair credit reporting act. 
Desired Resolution : Refund Desired Outcome : Account settled and reported as paid in full as agreed and a refund of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX charged me after I cancelled renters policy due to them not handling my policy billing delivery correctly and for difficulty in obtaining assistance. I received a notice stating 3rd request when I had never received any. I paid the {$26.00} regardless and now have received a collections notice. I tried to speak to both collection agency and XXXX and although XXXX admits to payment in full, as it is recorded, they will not remove from collections and collection company will not either.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from TRANSUNION, XXXX, & XXXX. Proper identification is provided. I DEMAND A RESPONSE WITHIN THE NEXT 15 DAYS UPON RECEIPT OF THIS COMPLAINT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: C/C Financial
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Preferred Lease. Preferred Lease has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter to Preferred Lease. They received it certified mail and signed off on XX/XX/21 at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

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 2022-02-02
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I made an offer on a property and the offer was accepted. The lending officer advised that I would need to pay for the appraisal. I was quoted an appraisal price of {$500.00} which was debited from my bank account on XX/XX/2022. The deal fell through and I have found funding with another mortgage company. My new mortgage company asked for the appraisal receipt from the old mortgage company. I reached out to them today for the receipt and was told I owed them an additional {$210.00} before they will release my receipt. This is the first time I have heard this. I asked them if I owed this why haven't they sent me a bill? I mentioned that I paid the requested amount and the inspection took place on XX/XX/2022. If I had not asked for the receipt of the appraisal would they have even mentioned this additional {$210.00}? I believe they used my {$500.00} towards other administrative costs which caused my appraisal fee to become short. At the time, none of this was made clear to me. I believe they are acting in bad faith and have misrepresented the entire situation. I asked RocketMortgage if they could provide proof that I was made aware of this. They sent a Deposit Statement ( which I have attached ) which I thought was another document in the process of buying the house. I did not equate this to the appraisal fee since this was the only fee discussed with me at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went to XXXX XXXX for a consumer credit transaction who then extended my credit to Santander bank. They furnished a contract obligating me to pay certain fees. Among these fees was a finance charge that did not include insurance which I had pay separately from the finance charge which is illegal under TILA 15 U.S.C 1605 ( C ). They also violated 15 USC1605 ( a ) which states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction meaning {$1600.00} in cash they received as a down payment was also illegal. This constitutes fraud which voids any contract. 15USC1692 ( h ) states if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. They have never presented proper paperwork or any paperwork for that matter of my right to rescind this transaction pursuant 15USC 1635 ( a ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: OR
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:
ftc violations sent 90 days ago XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current Status Updated XX/XX/XXXX Balance {$3000.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment {$37.00} Past Due Amount - Highest Balance - Terms 120 Months Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Customer disputed account - reported by subscriber Account information disputed by consumer under the Fair Credit Reporting Act CONTACT INFORMATION XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX PAYMENT HISTORY all XXXX sent ftc filed over 90 days of the un lawful loans {$1100.00} {$3000.00} {$2600.00} {$3500.00} {$2700.00} {$4100.00} {$5500.00} {$5500.00} 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 2019-01-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax in several occasions with the concern that there are inquiries I did not authorize. I had a fraud alert requesting a phone call to prove identity on my equifax file for a number of months, yet inquiries were popping up and no one was contacting me when my credit file was being pulled. I contacted equifax and spoke with them about my concern and possible fraud on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 ( See attaches file with dispute dates ). Each time I was told they would not remove inquiries, I would need to contact the company that pulled my file. I contacted all of the companies and they stated I needed to speak to Equifax. When I went back to Equifax with this information they stated they still would not remove inquiries. After a few phone calls they did a dispute but still did not remove inquiries or provide proof that I submitted my information to be pulled ( which I did not. I explained it was fraud, hence the fraud alert ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: FlexShopper, Inc
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a call from XXXX that was related to claim # XXXX that was being filed in XXXX XXXX Texas. This was relating to an account from 2017 and this is the first communication i have received from them. The message left on my phone was threatening to contact my employer and supervisor directly to discuss this. I called the # and spoke with them and they said they wanted immediate payment of {$1000.00} to settle or they would proceed with contacting employer. I told them I disputed debt and it was settled in 2017 and they are to stop all communication and also they would violate federal law if they contacted my employer. They didnt care and would not share the name of the company she was calling me from.

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 2020-12-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I don't recognize accounts and inquiries on my credit report. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I don't recognize accounts and inquiries on my credit report. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

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 2021-09-18
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I was confirmed successor in interest for a mortgage in which the original borrower was deceased. I applied for the mortgage assistance program as requested by the bank, and was set up on a trial payment plan to begin the loan modification process. Upon completing the trial payment plan, I was asked to provide additional information, and advised over the phone that i would not need to make another payment until XXXX. On XX/XX/XXXX, I attempted to login to submit the documentation that was requested of me, and I received a notification that my account was XXXX. Upon calling US Bank, I was told that I was not Successor in Interest, and that my information was no longer in their system, and the customer service representative was no longer allowed to communicate with me regarding the status of the loan. 
I was told multiple times on a recorded line that foreclosure would not take place since I made the trial payments as a confirmed successor in interest, and that a loan modification would be provided to me without issue.

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 2019-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
I Called and made a complaint on XX/XX/XXXX and XX/XX/XXXX, but no one was able to help me. They couldnt find an application on file with my social security number. 

Someone ran my credit twice on XX/XX/XXXX for Auto financings, which I did not authorize. Im looking to get these HARD INQUIRIES removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Continental Finance Company, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt was charged off by the company 12 Continental Financial in XX/XX/XXXX. Without my knowledge debt was re-opened by XXXX XXXX XXXX  in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, XXXX reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with XXXX XXXX XXXX that I opened. This action has caused my credit score to drop 33 point in one week! This action is not legal! I demand it be removed immediately!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I had Financing 2017 Hyundai XXXX with Hyundai motor finance since XX/XX/XXXX I had auto pay from my Debit card they cat every months so do Car accident in date if XX/XX/XXXX so my car be Total loss Insurance company pay off my car I had stall to pay for Hyundai motor finance around XXXX $ to be pay off but I had Gap insurance I had contact with Gap insurance they say okay whe pay that amount so the Hyundai stop my auto pay from my account Wait out my promotion so the The Gap insurance doesnt pay anything so I was in vacation Out of country when I came back I hair that Gap And insurance doesnt pay anything Contact with Hyundai motor finance I pay off amount off {$2700.00} so I dont know why they put my credit to Collection agency right now my credit is going down I want to fix my credit again please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Received a phone call today, just recently added this phone number to my name. 
Did not answer the call and no voice message was left, however as it showed on caller I.D . to be a local number I called the number back. The message stated this was XXXX XXXX and is a debit collector and attempting to recover a debit. How ironic, because I filed Chapter XXXX Bankruptcy last year and they were on the list of creditors. They did not attend the meeting of creditors in XXXX of 2019, and the Bankruptcy was Discharged in XXXX of 2019. When a woman came on the line she informed me the call was being recorded, good I told her because there is no reason for them to be calling me. Told her my Name, I completed Bankruptcy and they are making a mistake calling me and to NOT call my number again. 

This is a terrible organization, they even attempted to garnishee my wages even though they would told several times I was filing Chapter XXXX Bankruptcy. They even mailed my employer at the time the order to garnishee my wages. 

They need to held accountable for their actions, and maybe the call to me was in error. I will keep records of any further contact from them.

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 2021-09-18
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I applied for Home Equity Line of credit with PNC Bank on the banks website. I called on XXXX XXXX for a status update and was told that everything was received but it can take up to 60 days. Today is XX/XX/2021 and no updates. I did receive a call from a manger stating that the loan officer that was working on my application is no longer processing my request. Its been 78 days since my initial loan request. No where in PNC website does it state that HELOC are taking 60 days or longer to process. If I was provided with that information, I would went with a different financial institution. Today I was told because of Hurrricane IDA that the banks is waiting for another property preview. It shouldnt take over 2 months for a HELOC loan decision. Thats unacceptable and unfair. I have submitted all the stipulation right away. The last stipulation was a recent paystub which they requested because so much of time passed after I submitted that stipulation. Every time I called the bank says we are just waiting for underwriter review of the second property report. The storm came 2 months after a submitted the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off my debt in full, 2 weeks ago to Collectech Diversified XXXX XXXX XXXX XXXX, TX XXXX and on the same day I paid off two other accounts to two other debt collections agency ( XXXX XXXX & XXXX XXXX XXXX XXXX ) XXXX and XXXX have already sent my updated info to the credit bureau and my credit report has been updated thanks to them. However COLLECTECH DIVERSIFIED has yet to update the information on their end and I believe this is because they are intentionally sitting on the information instead of filing it in an efficient manner due to my previous complaint. COLLECTECH DIVERSIFIED is a small hole in the wall company their work load is tiny compared to these other two efficient corporations. COLLECTECH DIVERSIFIED has no excuse to continue sitting on my credit information. I write this to stress my greatest concern at the facts that this small business lacks the professional capacity to handle such delicate information as people 's debt info. They clearly have no respect for individuals who want pay off debt and due to their level of untrustworthiness which has been highlighted by HUNDREDS of other individual 's complaints, I don't trust this company will update my information in a timely manner. My information should not be at the hands of spiteful unprofessionals who refuse to do their jobs.

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