BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-21
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Refinanced my XXXX XXXX XXXX HELOC on XXXX XXXX with PNC. XXXX XXXX XXXX informed me of a missing XXXX payment. I followed up with boA and explained it was refinanced in XXXX and paid in full and as a result no XXXX payment is due. XXXX  informed me that they received the payoff check from PNC and it was {$100.00} XXXX est ) short so they returned the check to PNC on XXXX XXXX. I called PNC, XXXX the supervisor of the LO I worked with ( XXXX XXXX NMLS # XXXX ) apologized and took full responsibility of the error because she confirmed that she can see in XXXX 's email that the Check was returned and " unlike XXXX 's usual work practices '', XXXX failed to follow up or address the issue and ignored it. XXXX apologized profusely and told me she can not help me get XXXX to reverse the XXXX on my credit report but that she would give me an additional .25 % off my interest rate. I called XXXX and was ensured that due to the mishap, no XXXX would be submitted to the credit bureaus with my promise to pay. On XXXX XXXX I started receiving emails from XXXX that my credit report now had a XXXX. As a consumer I did my part and my credit score is being affected due to the errors of other i.e. PNC Bank. Please help me get this late payment removed from my credit report as it was clearly not my error but the error of a financial institution who was negligent in their normal course of business. In speaking with XXXX, she assured me that PNC takes full responsibility for the error. I also spoke to XXXX XXXX XXXX XXXX direct ) in the escalation department on XXXX XXXX. As of XXXX XXXX, XXXX XXXX has yet to respond to an email or voice mail of mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX IS SHOWING THAT I AM LATE ON BOTH OF MY STUDENT LOANS WITH THEM AND THIS IS NOT CORRECT. 

Last reported XX/XX/2019 {$2900.00} Reported balance Highest balance {$2800.00} AND Last reported XX/XX/2019 {$1700.00} Reported balance Highest balance {$1700.00}

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 2023-05-28
Company: Credit Karma, LLC
State: MD
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'm not really sure my phone seems like it has been since XXXX on my credit line it's as if someone stole my identity and is putting fraudulent loans and or line of credit in my name I have no debt so I'm confused how in XX/XX/ my credit score dropped XXXX points and I don't understand why it's difficult for me to get information on why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian is still inaccurately reporting a bankruptcy on my credit report. I have disputed this information several times with no real investigation.

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 2021-03-26
Company: SYNCHRONY FINANCIAL
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:
Please review my two documents attached. These accounts should have a XXXX balance because they were paid off. XXXX, Synchrony show that the account was closed with a balance due where the negotiated amount was paid in full and the balance was subject to a 1099. These derogatory disclosures are ruining my opportunity to purchase a home. Lenders will not work with me until this is fixed. I am attaching a Letter in Good Standing provided by my Federal Debt Relief Program as well as a snapshot of what is on my current credit report. The accounts listed should be in good standing with Synchrony and XXXX with a XXXX balance paid in full. 

I appreciate your time and helping me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: IL
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: PA
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: KEYCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was locked after I deposited a check. On XXXX XXXX I was told it would be fixed on XXXX after check cleared. I wasn't given any notice by the way. XXXX was a weekend and Monday was holiday also Tuesday and my account frozen still. No response, no info from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Monterey Financial Services LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent letters to the credit agencies asking them to verify the debt on my report in XX/XX/XXXX. They sent it back stating that everything is verified correctly. However my credit report is still showing and reporting inaccuracies. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( B ) ( 2 ) - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 USC 6801 - It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
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:
The collection agency is reporting the collection account XXXX  on my credit file this is not my account I sent a dispute letter stating to send me a method of verification on the account on how they with through the process of verified the account and havent received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: American Credit Acceptance, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased an XXXX XXXX XXXX from XXXX XXXX in XXXX az on XX/XX/XXXX which I brought the car for XXXX at XXXX a month for 72 payments thru American credit Acceptance I been paying on time every month since I purchase the car and I notice my payment amount isn't going down at all barely so I called credit acceptance and the told me most of my payment is going to the principal and really not towards me paying off the car at all if I have known this I wouldn't have got myself in this type of loan the way they have me set up I will never pay off this car I even put XXXX of my hard earn money down and the car lot made me feel I will payoff this car very fast I feel I'm getting ripped off can someone please help me or show me how to refinance and get a better deal I'm a mother of XXXX and a grandmother of XXXX on an budget I didnt know all of this working and minimum paying job I would on never got myself in this financial crisis

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE BEEN TRYING TO MODIFY THE EXISTING MORTGAGE WITH A NEW COMPANY, SELECT PORTFOLIO. THIS COMPANY IS GIVING ME HARD TIME WITH THE DOCUMENTS EVEN THOUGH I HAVE SENT DIFFERENT TIMES. THEY ARE SAYING THEY ARE NOT RECEIVING THEM. 

I HAVE BEEN SENDING NEW DOCUMENTS LIKE 4 DIFFERENT TIMES. THEY ARE PLAYING ME. 

RECENT I PAY TO AVOID FORECLOSURE. NOW THEY SAYS THAT I NEED TO PAY MORE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Peer Advisors, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received a mailing stating that my father had a reverse mortgage with XXXX XXXX XXXX llc. and they wanted to know what our intention were for the property along with requesting other information concerning my father 's passing. I promptly returned all information requested stating my intentions were to retain the property. While constantly keeping in contact with them approximately every thirty days sending them updates etc.. At no point did they alert me to the that the property was referred for foreclosure in XX/XX/XXXX or that the property was in foreclosure as of XXXX/XXXX/XXXX. It just so happened that I received a letter on XX/XX/XXXX from XXXX the attorneys that were retained by CELINK the servicing agents for XXXX  XXXX XXXX llc. stating that they were retained to collect a debt in the amount of {$200.00}, XXXX. So, I responded with letter requesting validation of debt among other items. Then on or about XX/XX/XXXX I received a phone call from a CELINK agent out of the XXXX, Tx. ( XXXX ) operator ID # XXXX. It was at this time that I learned of the foreclosure status and I mentioned to her that this smells like fraud, fraudulent concealment to be exact ; because no point was I notified of foreclosure proceeding by mail, by phone or in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 non-monetary relief
Consumer complaint received 2019-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It comes with displeasure to have to send an e-mail to you regarding a situation, I have made several calls and as of this morning it is not resolved. For the last 5 years I have been a credit card customer and have always maintained a great line of credit. I have also enrolled in auto pay to ensure that my monthly payment are made in a timely manner if the balance is from {$1.00} to a XXXX. I have authorized charges amounting to {$2600.00} with XXXX XXXX. On XX/XX/19, I logged on to Capital One to pay the {$2600.00} charges and received an error message that the maximum amount that can be paid is {$2200.00}. I backed out of the account and reentered the amount of {$2200.00}, which I got a message completed. On XX/XX/19, I notice that a total of {$4800.00} was removed from my account and paid to Capital one. Immediately I called Capital One and spoke with a supervisor identified as XXXX # XXXX, and advise her of the issue and requested that the {$2200.00} be refunded/reimbursed to my account. She indicated that she would process a claim to have the funds refunded. On XX/XX/19, I notice that the fund were not returned so I call and spoke to a supervisor identified as XXXX XXXX XXXX who advise me that it would take up to 5 days to have the funds transferred to my bank. Today I called and spoke to XXXX # XXXX who advise me that the timeframe for payment investigation takes up to 5 business days. I am astonished on so many levels with this situation. First how was the {$2600.00} taken when it error out? Then why would the system allow so much money to go into one account when my account balance was only {$460.00} that was scheduled to be auto pay on XX/XX/19. Also, after the error we discovered that too much money was deducted and attention is brought to your company why am I forced to wait so long for the error to be corrected? Why was the {$2600.00} that wasnt authorized to be removed from my account. Finally why did I get three different explanation of how this error would be corrected? I also ask that a paper check be overnight to me and was advised by XXXX and XXXX that your company does not have the capability to send me a paper check. 

It sadden me in this day and time when an issue of this magnitude happens there is no exception to company policy that can had an issue resolved in a more timely basis. I await to hear from you and if you need to speak with me my phone number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo account would charge nsf fees before j have ran out of money, then when j was out of money they would charge {$35.00} daily until I put more money in the bank. You would then have to call them for them to take all but usually 3 charges off of nsf

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 2023-06-06
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XXXX. I applied for a loan modification. They told me not to make payments while they were in the process of making a determination. This took several months. By the time that they notified me that I was denied, they had my name in the newspaper and at the chancery clerks office that my home was in foreclosure.

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 2023-01-06
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved in XX/XX/2021 from XXXX to XXXX  and moved my XXXX internet service to my new address. XXXX never informed me that I nneded to return my equipment before moving, and therefore, I kept it to use at my new address in XXXX. I did have a conversation with XXXX about this back in XXXXXXXX XXXX XXXX I do believe so that I would not be charged for the equipment I am still using. I do not have any access to my old XXXX account to contact XXXX about why in the world they would sendd the {$120.00} to XXXX XXXX when they specifically told me that they would not charge me since I am still using the equipment at my new address. Also, XXXX XXXX has not sent me anything regarding this, and also, they continue to try to contact me even after I have told them to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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: Was not notified of investigation status or results

Complaint:
Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
At the end of XX/XX/2019, I took out a Chase auto loan to purchase a new vehicle. On XX/XX/XXXX I made several calls in an effort to pay off the loan. I was told that I could only pay up to {$5000.00} per day by transferring funds through their website or {$9900.00} per day over the phone. I proceeded to do what was advised. Over the following week, every transaction I successfully made was reversed by the company a few days later with no explanation given. 

I ended up paying off the loan in full at a local branch on XX/XX/XXXX. Chase auto loans has charged me interest for the period of failed transactions and it has failed to provide an explanation as to why my transfers were not credited. My attempts to rectify this matter through the Chase Executive Office have also been unsuccessful. Their response has been that the routing number I provided was wrong. This is obviously incorrect, because I did transfer funds from a Chase account to a Chase account by phone. Chase had every opportunity to catch any errors and alert me. They did not. 

I have been told that Chase Auto Loans and Chase Bank are separate divisions, with systems that do not communicate with each other. This information was not given to me. The inability of Chase to process my payments has resulted in countless hours of waiting on the phone, additional interest charges, and a great deal of frustration. 

The accrued interest is not a significant amount in my case. But the practices of the company raises serious questions about what appears to be a practice of unfair interest overcharges. I request and hope that your agency will investigate the practices of Chase for the sake of customers who are in the same position as I am. I am sorry to say that Chase is no different from XXXX XXXX, and the sooner someone looks into their practices, the better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In 2016, when I was still a teen, a debt was not disclosed with me as being sent to a collection. I was under the impression that my student loan of roughly {$2000.00} was covered with XXXX  college of XXXX XXXX. 
I was young and unaware of any debt that I owed, as my parents told me it was paid in full. 
As time passed and I finally discovered this was on my credit report, it was paid in full immediately. 
I did not neglect this debt or deserve to have it sent to collections at such a young age with no warning. 
Based on my other credit history, I have never missed a payment, nor have a been in this situation with any other company. 
I believe this situation needs to be looked at more seriously and a fair solution needs to be provided. 
This should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: KY
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:
My mortgage information is reporting inaccurately. Dates are 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