BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-18
Company: Security National Automotive Acceptance
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I purchased a used car from XXXX XXXX XXXX dealership in XXXX, TN. The car was financed through Security National Automotive Acceptance Company ( SNAAC ). The GAP policy was purchased from XXXX, which is owned by SNAAC, and the {$800.00} for the GAP policy was included in the financing. The car was insured through XXXX. 
On XX/XX/XXXX, the very next day, I was in an accident and the car was determined to be totaled by my insurance carrier, XXXX. 
OnXX/XX/XXXX XXXX sent a check for {$16000.00} to SNAAC ( attachmemt 1 ). This is also verified on my account with XXXX ( attachment 2 ). 
On XX/XX/XXXX I made a payment to XXXX  of {$210.00}, which was the scheduled bimonthly payment ( attachment 4 shows the payment credited on my SNAAC loan account ). I don't feel I should have needed to make this payment as my car was totaled. 
On XX/XX/XXXX XXXX XXXX, who was paid a commission on the GAP policy, issued a refund of {$540.00} to SNAAC. 
On XX/XX/XXXX XXXX XXXX verified that the {$540.00} refund check cleared their bank. 
OnXX/XX/XXXX XXXX sent a letter summarizing the entire transaction which confirms that SNAAC was paid {$16000.00} by XXXX, that I was due a refund of {$800.00} for the GAP insurance charged when I bought the car, and that the total GAP settlement is {$310.00} ( attachment 3 ). 
On XX/XX/XXXX I called SNAAC, along with my military financial advisor,  and SNAAC stated that they never received the {$540.00} refund from XXXX XXXX. They said that I owe {$790.00} which is the account balance that is shown on my SNAAC account as of today. The account also states that the " Total Due '' is {$670.00}. SNAAC told me that interest is accruing DAILY. 
On XX/XX/XXXX I printed a copy of the balance on my SNAAC loan ( attachment 5 ) which shows : Account balance {$790.00}. Total due {$670.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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 fraud alerts or security freezes

Complaint:
Because I am concerned about identity theft, I just tried to freeze my credit from the 3 credit bureaus. While 2 of the 3 took only a few minutes and were very easy to do online, Experian was not. It is very difficult to understand how to freeze your credit. It's obvious they hide how to do it on their website. Nothing about it is intuitive. What makes it worse is they try to scare you and upsell you. It's just sad and pathetic attempt to get money from consumers. We don't have a choice. We shouldn't have to jump through hoops to freeze our credit from a greedy company that we don't even have a choice to use. Your executive team or whoever thinks they are so clever by making it difficult to freeze consumer credit are just greedy and disgusting. I am disgusted that I have to use your pathetic service and am disappointed that my government does not protect me from shady, greedy, and shameful businesses like 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 2021-11-01
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Is the following a violation of any banking regulation : We have been unable to view our personal checking account transactions since PNC bought out our bank, formerly known as BBVA. 

This has been going on for over two weeks now, with no one able to resolve the problem because they claim they are working 24/7 to resolve this issue with so many customers. Situation sounds like utter chaos. 

So we do not know whether our deposits and direct deposits are being properly credited nor do we know whether our withdrawals are being properly and correctly processed. Indeed, we don't even know if our account might have been hacked. 

Neither local branch employees nor management personnel at PNC can tell us how much longer it will take to get this resolved. Just that they are working on it. 

Please advise ASAP if this is a violation of any banking regulation. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: VW Credit
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:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, VW CREDIT has violated my rights. Regarding alleged accounts # XXXX, 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my mortgage on XX/XX/2020 in full. On XX/XX/2020 Arvest Central Mortgage reported my account in foreclosure well after the account was paid off. This has been and still is affecting my credit during a pandemic. I have tired to resolve this issue but Arvest refuses to help and calls this complaint frivilious. This has affected me and my family for a very long time. They have ruined my life and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX XXXX has fraud charges on a credit card acct that has now been transferred to Portfolio Recovery assoc. XXXX XXXX XXXX XXXX was notified by me 3 men from Florida used my XXXX XXXX XXXX. XXXX Employee XXXX in the theft Fraud took my report XXXX/XXXX/2018. The 3 men in Florida I also placed a Criminal Charge with the FBI. They are on probation with.the US Dept of Justice, XXXX XXXXXXXX Of Wisconsin, since XX/XX/2018. I am not responsible for the Fraud. I have talked to the U.S. Dept of justice Victim System. XXXX XXXX XXXX XXXX refuse to accept this ; Portfolio Recovery # XXXX refuse to recognize these Fraud Charges against me. Portfolio continues to Place Collections on my Credit Report. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: IN
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'm buying a house and the mortgage company " XXXX XXXX XXXX  '' gave us the loan, this was in XX/XX/XXXX. Last year in XX/XX/XXXX I made my last payment to XXXX XXXX XXXX, they sold the loan to XXXX XXXX XXXX XXXX XXXX. I made my first payment to XXXX on XX/XX/XXXX and have done so to date. Equifax is showing that I have two Mortgages. I have disputed this three times so far this year with no results. I just received an email from Equifax saying the dispute has been completed. I can't access the website to confirm, just like the last two times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have sent letters to each TransUnion, XXXX, and XXXX on multiple different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2019-11-13
Company: LoanCare, LLC
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Co paid XXXX in tax to office in my town in which they never recieved. Money was taking on XX/XX/XXXX. I had to pay in order to close on the sale of my house on XX/XX/XXXX. Money was taken from my escrow account that came out of my monthly mortgage payments. 
The money taken from my escrow has not been refunded. I have called every week 2x per week for 4 months and spoken to numerous managers requesting the refund owed. I had company send me documentation that money was taken from escrow on XX/XX/XXXX but refund was never put back into my escrow and i have documentation from my tax office stating loan care called them 5 times to verify that I paid funds for taxes and that they never received the check that loan care said they supposedly sent. Loan Care put a stop payment on check back in XXXX and still has not refunded the money to 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 2020-10-20
Company: National Collection Systems, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I attended the XXXX XXXX XXXX College XXXX, Indiana campus and had to leave due to medical issues at the time in 2017. 
I didnt know I owed a balance of {$550.00} until later. 
The school never notified me and at that time, I did have contact with the agency and couldnt pay it until I got the money since I was jobless and had just given birth to my daughter. 
While trying to enroll at another XXXX XXXX XXXX, XXXX, I was advised I needed to pay the balance, which I tried to pay through the school, but they gave me the information to National Credit Management. 

I gave them a call in hopes if I paid, it can be removed from my credit report. I was never informed they didnt do pay-to-deletes or whatever they call it, but their manager XXXX XXXX, stated I could call the school and have it removed since I satisfied the account in full. Now me, not knowing much about credit, I went to the school and was told Im supposed to contact National Credit Management since theyre the ones who had the account. I called them and then was told through a rude customer service representative that snarled at me when I tried explaining what I was told, WE DONT DO PAY-TO-DELETES and  basically hung up on me. My issue is, why would you lie and give me hope that I could get the collection removed, when he couldve explained it from the beginning. I called and tried seeing if I could talk to him directly, was either hung up on, or having a call rep who was rude. I tried fixing the situation because if anything, XXXX couldve just been honest in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2015 with a balance of {$23000.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2019-01-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen and a lot of unauthorized withdrawals were made. I contacted chase bank they sent me a dispute form. I completed the dispute form. A week later they denied the claim. I even sent them a copy of my airline flight tickets to prove I was in XXXX XXXX during the times my debit card was being used without my authorization. My card was stolen on XX/XX/XXXX it was used without my authorization until XX/XX/XXXX. I reported on XX/XX/XXXX that is the day I discovered the unauthorized charges when I logged on to my online account. In total XXXX was stolen from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: SYNCHRONY FINANCIAL
State: OH
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:
Syncb- Inquiry from XXXX XXXX, 2018 - XXXX XXXX XXXX XXXX XXXX Fl XXXX This is from my XXXX   XXXX and I do not recognize this hard inquiry on my credit.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: CO
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 have 97 fraudulent hard inquiries on my credit report. That I XXXX XXXX XXXX never gave consent to. I want proof in writing of these 97 hard inquiries. I have no knowledge of these. I have explained that to all 3 credit agencies. So i need proof in writing of the consent or will seek legal remedies. All 97 are fraudulent

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 2021-08-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For the past 6- 7 years there has been numerous property inspection fees which XXXX each time. Then it is applied to mortgage smount. I do understand the investors have the right to make sure the home is occupied but should be every month.. However, the party hire to take picture of my drives by home very slowly with their phone hanging out of a partially open window to take a picture. On XX/XX/21, I took a picture of the silver XXXX XXXX taking a picture of my home. In the same investor for my home inundate my phone with people wanting me to sell. I've been in my home over 48 years then got this home equity loan which was sold to this investor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I applied for a conventional mortgage with Wells Fargo. Everything went smooth, I provided all requested documentation, paid the upfront appraisal fee and the packet went to underwriting. I was told my loan rep would call me if any additional information was needed and let me know the progress of the underwriting. On XX/XX/XXXX I called Wells Fargo to see what was going on and when someone would be to the house to appraise it. I was informed underwriting would not approve the loan due to the short sale in XXXX and some other reasons. I was not given the common courtesy of receiving a phone call letting me know underwriting did not approve the loan. A few days later I called a FHA counselor and was told that FHA loans can be done within 2 years after short sale.

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 2023-05-08
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$990.00}, {$8900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.

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 2019-01-31
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I originally began this complaint with the Attorney General Of New Mexico and the XXXX XXXX XXXX   on XX/XX/2016 because of the harassing and threatening phone calls that I received from Castle Credit. I paid my bill faithfully until earlier that year when I went into a hardship. When I could pay my bill the phone calls started. I told them to stop calling me and to only contact me via email but they refused and I kept getting threats from them about taking my house because there was a lien on it. I later found out they put a lien on my house fraudulently when they opened the contract which I was told was against the law because my payments were current. I met with an assistant attorney general and I was included in a consumer complaint. I was copied on an email that informed Castle Credit to contact them only and not me. Beginning last year I began getting phone calls from Castle Credit again, on my phone and my work number. I told them again not to call me but the phone calls continue. I have been trying to find information about the case from the Attorney General but have not had any luck but was told to file this complaint.

Company response to consumer: Closed with explanation