BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I first started a refinance with PennyMac on XX/XX/2020, hoping the loan would close before year 's end when I could reap the benefits of a lower interest rate and claim points on taxes. 

Delay after delay and error after error have made the process drag on to the point where almost 4 months later, the loan has not closed and I'm worried it never will at a time where interest rates are increasing. 

I have an 800+ credit score, delivered every piece of information and signed document they asked for, usually within hours, but never more than a day, yet they have : 1. Failed to communicate promptly after several emails and phone calls ( sometimes taking over a week to get back to me ).

2. Cancelled a necessary home appraisal ( after I paid for it ), before telling me it was actually required again and they needed to delay closing because of the mistake.

3. Done a hard pull of my credit report twice because it's taken so long, impacting my credit.

4. Made me reschedule closing 3 times and counting after repeated mistakes.

5. Tried to require I bring something like {$18000.00} in cash to close to cover taxes that had already been paid ( though they corrected this after several follow-ups to document that it wasn't needed ). 
6. Kept stringing me along saying the process was almost over, preventing me from using an alternate lender when rates were still low.

Not closing the loan has already made me pay several months of higher mortgage payments and interest and contributed a huge deal of stress during an already hugely stressful time. 

If the loan doesn't close, it will cost me $ XXXX or $ XXXX of thousands in damages over the life of the loan they promised to provide, and I'm hugely worried at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and I notice good amount of inquiries I did not authorized. I did not consent to, authorize, nor benefit from any of the following inquiries. block and removed them immediately Under 15 U.S. Code 1681c-2. Under 15 U.S. Code 1681 its ruining my reputation because there are inaccurate inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Santander Consumer USA Holdings 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 status incorrect

Complaint:
I had a car loan through Santander USA. I made my final payment, after receiving the pay off balance through Santander. The final payment was made on XX/XX/2020. On XX/XX/2020 Santander reported my account closed and 30 days late. I have never been 30 days late. I called Santander and was advised by customer service to go through the credit bureaus because it was faster. The customer service agent for Santander reviewed my payment history and said I had an exceptional payment history with them. She also said she didn't know why they reported me late. I filed disputes with all three bureaus. Santander doubled down and denied my dispute and still kept me at 30 days late. I called Santander again. Customer service again said I had an exceptional payment history and was never 30 days. They then told me to submit my dispute to them in writing. I did exactly that. I never heard from them. I filed another dispute with the credit bureaus in XXXX and Santander STILL denied me and kept me late. I called Santander just now and after being on hold for 30 minutes, they hung up on me. I tried to log into my account online and I am now blocked from signing in. I am completely frustrated and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Equitable Acceptance Corp
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was not aware that the company was charging me such a large amount to them, they made it out that they XXXX a month would be going to by student loans and not them. I was also not aware that this would show up on my credit account as a credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
My state won a lausuit for fradulent practices by XXXX where part of the relief was to delete the 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 2018-02-06
Company: STATE FARM BANK, FSB
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan with StateFarm Bank using my father as a co-signer. I do not receive any statements, electronic or paper, for the account. 

I intentionally paid extra on my loan a couple months in a row, and StateFarm took me off of auto-pay. I was not aware that my loan was no longer auto-debiting from my account. This cause me not to pay the loan for 3 months. 

I did not receive a statement, an email or a phone call regarding the account. All communication went to my father who did not inform me I was late on my loan payment. 

This now will negatively affect my credit score and his. 

Once my father informed me he had been getting mail from state farm, I called to check on the account. 3 times I was told the account was current and no payment was required. 

I have gone into the account to request a paper statement be mailed to me, but the website says I am " not eligible '' for paper statements. However I am the one paying on the loan! I am not even able to review an online statement! 

This is unacceptable. I should be informed about what is going on with my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
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: Old information reappears or never goes away

Complaint:
The unauthorized account was removed from my credit report. XXXX XXXX XXXX reduced the account by XXXX, added a fraudulent address to my credit report, and added it back to my credit file. Equifax allowed this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: CITIBANK, N.A.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi Reference Number : XXXX " We will continue to send you a monthly billing statement as required by federal law as you are still legally responsible for making required payments for your account. '' Send me billing statements as often as you'd like, they will only get ignored. I am not responsible for making required payments because I don't owe your company a dime. I had disputes on my account that were left unresolved, including disputes where I showed you proof of the merchant billing me twice but you still went in favor of the merchant. There's {$600.00} in just one dispute alone that you told me you were crediting back to my account permanently. You later on decided to undo that action. You can not tell a customer you're making a conditional credit permanent, and then later on bill them for it. I also have your promise of a permanent credit for the nearly {$600.00} charge in writing, and I will be using it for supporting documentation, along with proof of all other disputes your company mishandled. And I will be reporting this to the credit bureaus, as well as whatever collections agencies you decide to sick after me. So I suggest you save your time and effort right now and remove the balance from my account, which is only as high as it is due to all the late fees and interest charges which have incurred due to the fact that that were transactions I refuse to pay for because you didn't do your job. 

Have a wonderful day!

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 2021-01-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I CLEARLY EXPLAINED ABOUT MISTAKE BEING MADE BY THE BANKER, GETTING A PARTIAL PAYMENT OF WHAT HE WANTED INSTEAD OF " THE FULL PAYMENT AS I REQUESTED '' JUST AFTER I MENTIONED TO HIM THAT I NEED TO HAVE MY ACCOUNT CURRENT BECAUSE IT WAS ON ASSUMPTION PROCESS. 

HOW HARD IS TO UNDERSTAND THAT PART??????? 
MISTAKE THAT AFTER I CONTACTED BACK OTHER BANKER APOLOGIZED ABOUT IT AND TOOK THE EXACT AMOUNT THAT WAS MISSING BY ACCIDENT AS HE MENTIONED BECAUSE I ASKED HIM TO CHECK THE CALL RECORDED. 
*HE ALSO PROMISED THAT IT WON'T AFFECT ANYTHING TO MY ACCOUNT BECAUSE HE MADE A NOTE ABOUT THAT PREVIOUS MISTAKE. 

I'M ATTACHING A DOCUMENT WITH MY NOTES AND NOT MAKING A BIG DEAL. 
PLEASE CHECK ON THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: U.S. BANCORP
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:
Elanco Finl svc Was paid and I have been charge twice for the same bill by this company

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 2020-08-29
Company: CITIBANK, N.A.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
You're all set! We've received the item ( s ) listed below and we're refunding your account. Thanks for shopping at Macy 's. 
Order # : XXXX Order date : XX/XX/2020 Payment method : Visa XXXX Refunded amount : {$110.00} SHOP MACY 'S Item ( s ) XXXX XXXX XXXX XXXX XXXX Qty : 1 Color : Tan/Gold Type : HANDBAG {$100.00} Order total : {$100.00} Shipping : FREE Sales tax : {$7.00} TOTAL : {$110.00} Featured help topics MAKING CHANGES AFTER ORDERING CANCEL ORDER WHERE IS MY ORDER? 
FREE RETURNS MORE ... 
Have questions? Contact Us XXXX i received no refund no one answers CS and i try to email your email does not work please refund.

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 2021-10-07
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 status incorrect

Complaint:
This account has been closed since XX/XX/ 2019 and they are constantly changing my payment history by removing and adding missed payments to my credit constantly affecting my credit scores. I have uploaded 3 proofs below.

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 2018-03-31
Company: Experian Information Solutions Inc.
State: LA
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:
My credit report is showing an account for XXXX XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX deletion request off my credit report, the account is still showing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off 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 2021-01-28
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had borrowed money from a former friend and she was repaid and she went to her bank and filed a fraud dispute with XXXX XXXX XXXX and they took back the XXXX which she lied about and stolen from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

ACCOUNT : XXXX XXXX account number ending in XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) 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 2023-02-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called XXXX several times regarding this matter, and no one can give me an answer. The last update to my credit report was XX/XX/2022. This loan has been written off due to Public Service Forgiveness. The balance is {$0.00}. 


XXXX Account : XXXX Current Balance : {$0.00} Previous Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: U.S. BANCORP
State: MO
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 recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so

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 2022-10-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I just had a complaint in XXXX and XXXX came through for me equifax closes my complaint without reading thoroughly I needed the XXXX XXXX XXXX XXXX Ohio XXXX removed from my credit report. Equifax has failed multiple times to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/XXXX reported an account on my credit which I never initiated. I contacted them directly and it appeared to be a scam as they were asking for personal details which they would have if in fact such account exsisted. I asked them to submit proof of what I signed or requested, they said they would provide it but never do and now they don't even take my call. 

I contacted the credit bureaus and asked them to investigate and remove this fraudulent item ... XXXX did investigate and remove the item, however Transunion refuses to investigate. I have called them 8 times to ask them to please investigate and they do not. This is item is fraudulent and should no be showing negatively on credit. 

please help

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 2019-05-29
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was on a business trip over XXXX XXXX weekend. On XX/XX/XXXX, there were several transactions on my PNC checking account : {$100.00} at an ATM, {$35.00} ACH ( XXXX ), and another {$3.00} ATM fee. They appear on my statement in this order. There were NO transactions after this until XX/XX/XXXX. 

On XX/XX/XXXX, I was hit with a {$36.00} overdraft charge. My account was overdrawn by {$3.00}. The bank is arguing that since one of the charges was ACH, they can take this amount even though I was less than {$5.00} negative. 

Also on XX/XX/XXXX, an ACH for my XXXX XXXX   XXXX  subscription was approved for {$3.00}. Another {$36.00} fee was added to my account. I am opted out of overdraft protection so I think this charge should have just declined, but the bank approved it and charged me a fee for it. 

So I have been charged {$72.00} in fees over {$7.00} total. 

I did have pending deposits coming in that would've covered that {$7.00} by far, but the XXXX XXXX holiday postponed it. The bank is refusing the refund either of the two {$36.00} fees, which I find to be absolutely exorbitant. I've been a customer of theirs since 2012 and I find their treatment to be reprehensible. It doesn't make sense to fine someone {$72.00} over {$7.00} when they've been a good customer and are clearly going through a financial rough spot- I will admit this, but I still think the fees are excessively harsh and only hindering my financial progress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-29
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2020 My current loan process at Quicken Loan has been stalled for so long and been frustrated with the company process and lack of transparency to consumer. I started the application to refinance an investment property in inland XXXX county with QuickenLoan around XX/XX/2020. Unbeknownst to me that the process has been abnormal and so long that no one at the Quicken Loan can me a straight answer why it takes so long to resolve. I have been in constant contact with Quicken Loan representative, specialist, and to date, it has not been successful. Lesson learned for me and other consumer out there that though the on line refinance process seems attractive but lack of dedicated representative is trouble. On top, all the helps and contacts have been more social the contact has been made but no real business decision to close the loan with individual like me. 

So, if you are in hurry to refinance with on line company, just be ready for surprise and delays Feel free to contact me for further XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a public record on XXXX XXXX which shows a public record. It does NOT describe the record, except it shows the institution who filed the record is the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. It is recorded at {$0.00} and dated XX/XX/2010. I wish to have removed based on time and payments.

Company response to consumer: Closed with explanation