BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: United PanAm Financial Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I financed the vehicle in XX/XX/XXXX. By XX/XX/XXXX the vehicle had been totaled lost. XX/XX/XXXX my insurance company made a payment of {$8500.00}. I was told by the finance company that the gap insurance was approved and would take care of the reminding balance. On XX/XX/XXXX the gap insurance kicked in and it didnt cover the reminding balance. So Im left with a {$220.00} balance. The finance company reported to the credit bureaus in XX/XX/XXXX that my account was current. In XX/XX/XXXX they reported that my account was 60 days or more late. If two payments were made to my account. One on XX/XX/XXXX and the other on XX/XX/XXXX. How can they report in XX/XX/XXXX that my account is late?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan refinance with Quicken Loans. I was preliminarily approved, received a rate lock and paid a {$500.00} fee for the appraisal, based upon Quicken Loans saying that the appraisal fee had to be paid to confirm the rate lock. A day later, feeling like I was pressured unnecessarily to pay the {$500.00} appraisal fee, I applied to another lender who provided a preliminary approval at a significantly lower rate and closing costs. I contacted Quicken Loans and requested to withdraw my application with them and for a refund of the appraisal fee, which was never performed.

Since then I have not received a confirmation from Quicken Loans that my loan application with them has been withdrawn and they have not refunded the {$500.00} appraisal fee I paid even though the appraisal was neither scheduled or performed.

I received a better deal from another mortgage lender but Quicken Loans is not cooperating in my request to withdraw my loan application and to refund the fee I paid for a service that was not performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This company 1st let somebody use my card for more than {$700.00} worth of transactions, knowing that I 'm in traveling to the other side of the country for work. My Bank did not credit me any of my money for approximately 10 days. Within the 10 days I was only left with {$20.00} to my name while waiting for my account to get credited back. I was charged {$80.00} for transaction fees that I was not aware of as a result for the bank taking my money. When I called to have the transaction fee waived, I was met with hostility and accusations. I was told that certain fees were not going to be waived because I committed the transactions. I explained to them I did not, and they said there was nothing that they can do about it. Person hung on me i called back and then they funed me back the fee they charge. this bank super unprofentional and i will be banking with someone else for now on Santanders bank worst bank ever

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 2018-08-20
Company: Account Liquidation Services Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I received an alert that a collection had been placed on my credit report. The collection was from " Account Liquidation Service '' regarding a {$19.00} returned check on a JOINT ACCOUNT and that the company was attempting to collect {$30.00}. First of all I have NEVER written a check to their client " XXXX XXXX XXXX XXXX ''. I sent the collection agency a letter dated XX/XX/XXXX, ( ATTACHED ) asking for information and proof of debt. I also informed them that they have NEVER contacted me regarding the returned check to give me an opportunity to pay or dispute the debt. Because it was a " Joint Account '' I was willing to accept that one of my children or my spouse may have been responsible for the returned check I submitted a USPS Money Order ( XXXX XXXX ) in the full amount of the collection. I requested that the debt collection be " DELETED '' from my account due to their failure to make me aware of the debt PRIOR to placing the item in collection.

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 2020-01-29
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi I tried for 7 years to resolve this issue with Citicard. They sent my statement to an old address. They refused to send it to the new address. I have never received a statement.

I've called and written to them 11 times.

They have sold the debts to 10 different credit collectors over the year. This has caused me to not be able to purchase a house, get credit, dropped my score from XXXX to XXXX. 

I called the new collection bureau and they refused to send me the statements. I have never received a statement from XX/XX/2012My husband died and I moved away. I gave them my new address and they never sent the statement.

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 2018-07-25
Company: Experian Information Solutions Inc.
State: MI
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: Problem with personal statement of dispute

Complaint:
I owe child support which I have been paying out of XXXX XXXX. Plus I have been paying past due which they put into collection. Doesn't make sense that I'm paying it off, but it's not showing which is what michigan FOC is making me pay. It's showing on my credit that it's a negative account and showing I'm making no payments but clearly what I owe is shrinking. Experian credit company will not fix this problem that shows it in collections but not showing it's being paid off. I'm legally making payments to pay off the back pay based on the contract I have with Michigan FOC and shouldn't be impacting my credit for years

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 2018-04-05
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
ok I met this person on XXXX   after going through a divorce, after speaking with him a while online he said he wanted to help me because I was going through financial troubles convinced me to give him my Regions account number to deposit XXXX in my account to help me. Well little did I know I was being scammed, Regions sent me a copy of the check which was from XXXX and it wasn't even the person I was speaking to online. Fake online name and all, this has messed me up bad with direct deposit my pay and cashing an insurance check I received from damage in my storage building. Please I have learned my lesson and trust no one with my personal information. I am the victim of a scam.

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 2018-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have one late payment that was reported to the bureau in XX/XX/2016 that i am begging to be removed, besides that one late payment that was sent out to the Bureaus Ive been on time since, I told them the reason I couldnt make the payment on time. Told them I was having financial hardship at the time after my grandpa passed and i lost my job ... I had already contacted capital one with a goodwill letter and they werent willing to change the status nor help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called Transunion 4 times due to an unauthorized hard inquiry on my credit report. The customer service representatives would not help remove this inquiry. The inquiry is from XXXX XXXX XXXX and was pulled on XX/XX/2020. The item in dispute should have been investigated with XXXX  XXXX XXXX or deleted which they did not do.

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 2022-12-19
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/2022 I called Wells Fargo to inform them that I had been overcharged {$1500.00} for services/merchandise I did not receive. The agent informed me that she would be submitting a dispute on my behalf and for me to email any documentation, in which I immediately did. No other information was given to me. On XX/XX/2022 I received a voice mail from Wells Fargo letting me know my claim had been denied. I immediately called back and informed them again that I had not received any service/merchandise for the charge of {$1500.00}. I was asked to submit more documentation in which I did as soon as possible. On XX/XX/2022 I received an email from Wells Fargo stating my claim had been denied however, I was unable to open the attached documents in the email. On XX/XX/2022 once again I called Wells Fargo and was told by an agent that they were still investigating my dispute. On XX/XX/2022 I received a call from Wells Fargo. The agent informed me that my claim had been denied again. I explained to him that I had not received services or merchandise and I was being charged and forced to pay for something I never received. He became loud, argumentative and would not let me speak. I asked him why was my claim denied. He stated because it was submitted as cancelled and not as services/merchandise not received. I informed him Wells Fargo agents submitted the claims on my behalf and I had no control over that. I asked him to resubmit the claim and he said no and refused while being rude and talking over me. It was clear that he had no interest in helping me, cared about what I had to say or cared about being charged such a large amount for nothing. Wells Fargo has since put the charge back on my card and is unwilling to work with me or assist me in any way. I am disputing this charge because I am being charged for something I never received. Whether it was cancelled or not I did not receive anything for this charge of {$1500.00}.

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 2018-07-25
Company: FAIR COLLECTIONS & OUTSOURCING, 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 am no longer disputing Fair Collection and Outsourcing.

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 2018-07-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been having a problem with Chase in prepaying my mortgage. My loan has never been late. the only thing i do is prepay. I have had the loan for 14 years and just recently been having this problem.. 

I pay directly online thru Chase Website. I have an adjustable ( option arm ) and the Chase payment site gives me a minimum payment and 15 year payment option. i have been paying the 15 year option. The last 3 months it has been continuously misapplied. The system clearly gives me the month due and the payment options. I confirm and receive a confirmation of payment The problem is that when i look at the history to the account it shows as either prepayment or unapplied funds. But in every case it shows still due for the month that i paid. In other words i paid just recently XXXX payment as you will see by the documentation, but when i log back in the last two weeks it is still showing payment due for XXXX. This payment was made on XXXX. I have called 3 times to try and get this rectified. I have also had to call each of the previous months. 

I am told that the interest rate hasn't adjusted so i can't prepay my loan because they don't know how to apply it ... I said..the system gives me the payment available and i pay it and it confirms payment, so what is the problem..apparently the system is wrong ... i told them to then fix their online payment system it feels like i am being prevented from prepaying my loan and I am consistently calling to educate Chase team on how to apply my payment. There is a disconnect between the direct online consumer site and the servicing department and this needs to be rectified ... I have industry background so i know what i am looking at. But i feel for XXXX XXXX Consumer who has no idea as these kind of system glitches and errors could be costing them much many in additional interest. 

I asked to speak to XXXX XXXX but was not granted access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Credit Bureaus violated federal law by not properly investigating within the required time frame, CFPB fix the accounts XXXX XXXX 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 2019-02-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I contacted Equifax on XXXX to remove my fraud alert. I then received a letter from Equifax saying my request was forwarded to XXXX and XXXX. Surprisingly, both XXXX and XXXX created, instead of removed, the extended fraud alert for me. In the end, I have two more unwanted fraud alerts. Moreover, it is difficult to remove an alert from XXXX because they request additional documents that I can not provide now. It is also unfair to me to spend extra time and efforts because of others ' mistakes. These alerts without my consent have no contact information attached and thus effectively prevented me from getting new loans or opening new credit lines and ruined my financial plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent a XXXX scammer some money through XXXX, they never delivered on their side of the agreement. I tried to have the transaction stopped by PNC IMMEDIATELY AFTER I sent the money and realized the sale was a scam but PNC REFUSED to even open an investigation before the funds were delivered the next day. I filed a police report ( attached ) later in the evening. The following day I contacted PNC and they initiated the claim. They said they would investigate the transaction and that they would be contacting the other bank scammers bank ( XXXX XXXX ). A few days later I received a letter saying that my claim was denied and there was nothing I could do. I asked them if there was any way they could shut down the scammers account and PNC said that was up to XXXX XXXX. They also said I should contact XXXX to retrieve the money since it was through their service. XXXX XXXX will not discuss another account with me because I'm not their customer. I've tried contacting XXXX but they will not speak to me since the transaction was filed from my bank and said I should resolve the dispute with my bank. PNC and XXXX seem to be pointing the finger at each other. Bottom line : XXXX doesn't take their security seriously and PNC doesn't care about it's customers or trying to stop fraud before it happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning ofXX/XX/XXXXall payment went through XXXX XXXX as well they have a XXXX  that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistanly look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-01-19
Company: EQUIFAX, INC.
State: ID
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:
XX/XX/2021 US XXXX XXXX of Washington amount {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXt amount {$99.00} These 2 companies have fraudulent collection accounts on my equifax XXXX XXXX and XXXX rereports. Im reqiesting these 2 companies provide proof of these accounts with my legal wet signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am XXXX XXXX  and found on my credit card extremely high interest rates on cash advances ... when I requested info on them I get a letter instructing me to call them so I can't hear or understand what they are telling me. At any rate I asked how many cash advances were taken on my card and where they occurred. I received one reply stating they could not waive the cash advance fee ... I didn't ask them too. All I wanted to know was how many and where. Now I tried several times to get a hold of them and can not get a response. They even hit me for a XXXX dollar late fee because they said my payment was one day late ... no grace period at all ... but I want answers and they won't tell me them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: NY
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 disputed multiple negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

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