BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: Harley Davidson Financial Services Inc
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Purchased a motorcycle from a private seller that has his loan through Harley Davidson financial services. Purchased it on XX/XX/2020. Our credit union paid off his loan with HDFS on XX/XX/2020. 

Since the purchase I have been unable to register the motorcycle in the state if Illinois due to HDFS dragging their feet on releasing the lien and sending the title to me. On XX/XX/2020 the state of Illinois raises the taxes, title registration and license plate fees by 50 % which will cost me several XXXX dollars more to register than if this had been completed in a timely manner. As of this complaint it has been 14 days since HDFS received the payoff and credited the account as paid off. 

HDFS must either expedite the handling of the title and release of XXXXien,  or agree to pay the extra costs associated with the registration and tax process, as it will be a result of their slow response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 I comfortably began the home buying process, knowing that I hadn't used my credit in quite some time. I was upset and shocked to have learned that it had been used recently. One of the accounts listed said, " Portfolio Recovery '' for a XXXX XXXXXXXX credit card. I've yet to bank with XXXX XXXX. This has been a nightmare going back and forth with them and at this point, I'm over it. I will go the full mile until this is removed from my credit report. It really XXXX that collection agencies treat people this way. I've been ignored since early XX/XX/XXXX. I have sent two letters thus far, no response. I called XXXX XXXX personally to get information regarding the account as well. They couldn't help me because I couldn't verify any of the account information outside of my social ( account security questions, etc. ). I informed them, how could I? I never opened the account, to begin with!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have applied for the Public Service Loan Forgiveness program with regard to my student loan. In XX/XX/XXXX I called to check on the status. They said that I was paid ahead and that I was not eligible. They did fix this. They then proceeded to tell me that within 90 days, I would be able to see the status of my qualifying payments that are applied to the PSLF program ( to have your loan forgiven there are stipulations, along with 120 payments ). After 80 days I called, they told me it hadn't been 90. After over 100 days I called, they still didn't have the information, I called again recently and they still didn't have the information. Its been over 200 days since the initial inquiry. Before XXXX took the loan over from XXXX, I had applied for PSLF ... all in all, its probably been over a year since anything has been reported to me. Recently I sent in my recertification of employment, however, this is not required to be done ... just a good idea. In the end, I would like to know how many of my loan payments have qualified me since I have been making payments for almost 10 years now. I don't suspect I have made 120 qualifying payments quite yet, however, I know its far greater than 0, as it indicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Resurgent Capital Services L.P.
State: PA
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:
XXXX XXXX XXXX XXXX ( XXXX and XXXX ) Date Opened : XX/XX/2013 Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: AL
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 disputed Us Dept of Ed/XXXX XXXX and collection services on all 3 credit bureaus for inaccurate reporting of information not only on high credit limit and inaccurate account history, which all comes back " verified ''. Method of verification letters were mailed and received by not only Equifax but XXXX as well, receipts are provided. Yet all that this did was create disputes which were not what was requested and information that they have was not sent to me about how they verified this information. I have one specific account reporting an inaccurate account high credit limit from XX/XX/XXXX. On Equifax account history is inaccurate showing a past due balance of {$1.00} on all 4 accounts. On XXXX  the same account dated XX/XX/XXXX is reporting an incorrect high balance. On XXXX the same account is once again reporting an incorrect high balance and all 4 accounts are showing as failed to pay in XX/XX/XXXX in the account history but these were paid and closed in XX/XX/XXXX via consolidation. Each credit bureau also has different date of first delienquency information from the original creditor XXXX XXXX which has since been deleted for inaccuracies, these accounts should be deleted as well. I am not sure how they are verifying inaccurate information that is proven based on FAFSA and NSLDS database concerning student loans. Each loan was paid XX/XX/XXXX with a {$0.00} outstanding balance and interest. NSLDS also shows the accurate amount borrowed and proves the inaccuracy of the high credit limit on the one account that I have tried to have corrected. Since these inaccuracies have failed to be accurately verfied based on information I have sent and proven. These should be removed as they are in violation of inaccurate credit reporting and inaccuracies disputed should be updated to accurate account information or deleted if information can't be verified as accurate, which it is not across all 3 credit bureaus. This information has failed to update the first time and I entitled to fair credit reporting and accurate information, if that information isn't accurate and/or updated then it should be deleted. For each bureau dispute numbers are the following : Equifax : XXXX XXXX   : file number XXXX report date XX/XX/XXXX XXXX : XXXX Attached files are the following : 1 ) NSLDS about account in question with inaccurate high credit also shows that account was paid in XXXX and XXXX reporting is inaccurate 2 ) Receipts to Equifax and XXXX 3 ) FAFSA information with original credit limit. 
Report numbers with disputes in question 4 ) Original copies of method of verification letters mailed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I saw thousands and thousands of dollars going out o my checking and savings account. I called them. They told me to call the fraud dpt. I did. They kept letting it happen, and, {$13000.00} later, I have just over {$100.00} left. They will not return phone calls, they will not put the $ back, and in fact, now they're charging me for my balance being so low ... even though they're the ones that let that happen. I make special note this is the second time they've allowed this to happen ... I filed a complaint with you guys a few months ago for the same thing ... and about a month later, they finally put the $ back. Problem is ... this time it's all my , I have nothing left, having to borrow from family just to go to the grocery store.

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 2020-10-09
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian has incorrectly closed my dispute ( the other two agencies reviewed the exact same dispute and removed the incorrect information from my report ). I have tried for days to reach Experian through the numbers they provide on their emails and website and their automated system will not connect you with a person and just disconnects you.

This is completely unacceptable considering how much control Experian has over consumers ' financial futures.

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 2019-06-18
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:
After months of trying to rectify the problem with XXXX XXXX regarding an authorized charges and their XXXX XXXX my request and explanation of what was going on as a victim of identity theft. After submitting two separate FTC reports regarding the matter not only for the credit card itself but where the payment was coming from for that credit card I was told by XXXX XXXX that I could not dispute the charges even though I already had and they somehow went ignored but rather that the card was now closed and I am forced to pay whether they are an authorized or not. They did not care about the CFPB report from you guys or the FTC report when I called as recent as last evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1.I was steered toward a refinance cash out loan after I requested an equity line of credit loan to make repairs to my home. 

2.Loan was denied based on needed repairs revealed by the appraisal that I paid for in advance. The appraisal on XXXX was for more than the loan amount ( {$54000.00} ). I was not offered a different kind of loan or a lower amount.
3. Subsequent appraisal by a different bank on XXXX revealed a property value of {$75000.00} and no repairs needed. 

4. I believe the appraisal was rigged as a pretext. The true denial was for age and zip code bias. 

Loan App # XXXX for {$50000.00} with Navy Federal Credit Union. 
Applied on or about XXXX XXXX, XXXX. 

XXXX XXXX, mortgage processor. XXXXXXXXXXXX ; phone XXXX, ext XXXX XXXX XXXX, supervisor XXXXXXXXXXXX ; phone XXXX. 

I spoke with XXXX XXXX on or about XXXX and was told I have no recourse since I agreed that the appraisal fee was non-refundable. I assumed that it was a protection for the bank against an overstated valuation by the applicant not a device to deny a loan for their own purposes. 



XXXX

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 2019-05-18
Company: Consumer Portfolio Services, Inc.
State: PA
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:
Sent letters via certified to company regarding Hard Inquiry on credit file. Client refuses to submit via mail response to hard inquiry placed on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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, in amount of {$7400.00} 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 a account without my written instructions

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 2018-11-01
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18, I booked a hotel room with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, Florida for 2 nights. 

Unfortunately, due to the XXXX XXXX on the coast of XXXX XXXX at the time of my scheduled stay and exhaustive research of the conditions warranting voluntary evacuations of the area, it was no longer safe to travel to the area. 

On XX/XX/18, I spoke with someone at the XXXX XXXX number provided in my confirmation email about the conditions of the area. 

After conversation with her, it was in agreement that it was unsafe to travel to the area and, despite the original booking terms, my reservation would be canceled AND refunded. She entered a cancelation code she referred to as XXXX, which she stated was weather related. 

She stated I would receive an email letting me know my reservation was canceled, and no further actions were necessary on my part. I did have a witness, a member who would have been present for my reservation, on the line during this phone call. 

After several days with no monetary return from the XXXX company, I made another phone call. 

At this point, the person from the 1-800 number spoke with XXXX at the local hotel who stated she was in charge of the monetary return and she had made the decision not to return the funds. This person did inform me they had listened to my recorded call from XX/XX/18 and did, in fact, hear that I was told I would receive a refund. 

I decided to reach out to XXXX myself. She gave me the same information. She told me she made the personal decision to not return my funds based off of their cancelation policy. I told her I understand their policy however, the reason for cancelation was out of my hands and I was promised a refund. 

I was offered a credit for a future stay with them, but given their lack of professionalism, I have no desire to stay with an organization who has pocketed {$1000.00} of my hard-earned cash during a time when I am planning my wedding. This is unethical, and quite frankly, just wrong. I never stayed at their organization, therefore they have literally pocketed my money and I have received nothing but a headache and heartache. 

I have disputed this charge with my bank, Wells Fargo, who I have banked with for the past 15 years. After issuing me a provisional credit, they determined they could not help me and have since retracted the credit. 

I would like to think after doing business with a financial institution for 15 years, I could trust they would back me in an unfair situation such as this. 

Any guidance you may be able to offer so I can retrieve my hard-earned money in this unfair situation would be so greatly appreciated. 

Thank you in advance.

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 2020-06-23
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
someone has taken my personal info and has opened accounts that have been negatively effecting my credit and life as a whole. the inaccuracies of these accounts need to be thoroughly investigated.

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 2021-04-22
Company: CITIBANK, N.A.
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:
I already reached out to the credit bureaus and to CITI with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on 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 explanation
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, 2 transactions were executed from the XXXX, XXXX business checking account which resulted in the following payments : XXXX  with XXXX XXXX to XXXX XXXX XXXX debit - {$1000.00} XXXX  with XXXX XXXX to XXXX XXXX XXXX debit - {$1200.00}. Neither transaction was authorized or approved by any personnel of XXXX, XXXX. This was reported on the same day XX/XX/2021, to chase bank as Fraudulent charges claim number XXXX. 
Chase bank subsequently conducted their own fraud investigation and declared that the 2 fraudulent transactions were authorized via finger print scan on a device. 
This is not possible as none of the authorized persons associated with the account had authorized these on any of the devices they own. Chase has subsequently paid the amounts to XXXX XXXX and withdrawing those amounts from the XXXX, XXXX Chase business checking account. On XX/XX/XXXX we received a letter from Chase declaring that the investigation determined the transactions were processed correctly or was authorized. We contacted chase bank and requested the documentation of their findings, which we have not received. A second letter was received with the same results on XX/XX/2021 and the requested information was not sent with the letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14
Company: BSI Financial Holdings, Inc.
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was doing the forbearance and then my previous loan servicer sold my loan to BSI financial. At the end of my forbearance ( XXXX XXXX ), I initally wanted to do a loan modification but they gave me the run around and told me I was already behind and that it would take several months to get that approved if I was approved at all. So then I decided to just pay the balance. I set up the first payment of {$4500.00} and they took that payment on XX/XX/XXXX, and the remaining balance was going to be paid a month later. A week ago, I got a check in the mail from XXXX for {$4500.00} and the letter states it was returned for the reason of " Unapplied Funds ''. The next day I got a 45 day forclosure notice in the mail. At this point I have been calling and emailing every day and nobody will return my calls or emails. Then yesterday my credit dropped XXXX points and it shows a major derogatory and 180 days behind on payments. I was in the XXXX 's with a 100 % payment history for several years, and now my credit is ruined. I have all the money to pay them, but nobody will contact me. I am beyond frustrated and I feel like I am being scammed somehow. I did not cash the check they sent me so those funds are still in their account. Please help me ASAP. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I sent a request to the credit bureaus to investigate errors on my credit report. They were supposed to respond with the results within 30 days. Its been over 45 days, and I have yet to receive a response from XXXX or 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 2020-09-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A blonde female employee gave me do-not-bother-me attitude and pointed at instead of walking me to teller line. XXXX and another female employee were polite with no idea how to help me, mean while an oriental male employee was minding his own business. 

I received a dormant account notice for a CD non-exist to me. I understood I could be penalized with fees for early CD withdrawal and I had to leave for another appointment. 
XXXX promised to call me back next morning without why and what. Someone opened the CD without my knowledge. 

I did not recall any apology from 4 employees at Santander Bank 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