BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: Bridgecrest Acceptance Corporation
State: IL
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:
On or about XX/XX/2019 there was engine failure in a vehicle I had financed by Bridgecrest with GAP insurance through XXXX. I spoke with several agents at XXXX and was initially informed my GAP insurance would cover the replacement engine and its parts. A few days later I spoke with XXXX again and was informed they would only cover the replacement engine but not a vital part that will make the engine work. On or about XX/XX/2019 I contacted the dealer where I purchased the vehicle to seek assistance but they were unable to assist. On XX/XX/2019 I contacted Bridgecrest and informed them it does not make sense for me to have a vehicle and to continue to make on-time monthly payments if the vehicle does not work and I am unable to drive it. I advised Bridgecrest I am willing to voluntarily surrender the vehicle. They agreed to retrieve the vehicle after I provided the repair facility my insurance company towed it to. They explained to me the vehicle would be sold and the purchase amount would be credited to my balance. I explained to them this is fine. The account was then listed to my credit report as an involuntary repossession. I filed an IL AG complaint in efforts to have the status accurately reflecting a voluntary repossession. After Bridgecrest received my IL AG complaint ( their response is attached ), they contacted me and informed me the vehicle it will still be reported as an involuntary repossession. I explained to them how could you purposely report inaccurate information to the credit reporting agencies. I initiated the surrender due to before mentioned issues. I made all of my payment on time since I signed into the contract. I continued to make my payments even after the engine failed on the vehicle. I stopped making payments once the vehicle was in their possession. Prior to this incident I did research on this finance company. Although they have many bad reviews, I still decided to go into an agreement with them. Additionally, within their response to my IL AG complaint they stated the engine was replaced by the repair facility. This is inaccurate information. The repair facility put the old engine back in the vehicle for Bridgecrest to return it. The agent at the repair facility informed me since I was not picking up the vehicle and that Bridgecrest would be retrieving it, they would not install the replacement engine because XXXX would not cover the labor costs. The replacement engine was never installed. How can they report information that is not accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to short sell my house but the attorney representing the servicer ( SPS ) will not allow a short sale. We did receive all the paper work and online access to file the required documents and have an executed contract for a short sale but law firm is blocking it. I am also seeking relocation funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I am writing to dispute   XXXX    XXXX   XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX, I obtained a copy of my credit report. Within that report was a Medical collection, Account Number XXXX, Date Opened : XXXX ; Balance Date : XXXX ; Balance Amount : {$360.00} ; Date of Status : XXXX ; and, Status : Closed. On XXXX, I wrote to Equifax indicating inaccurate reporting and to validate said alleged collection. On XXXX, Equifax responded with an entirely different account number ( XXXX ) ; Amount - {$410.00} and Balance as of XXXX - {$0.00} ). This is in violation of Federal Law due to inaccurate reporting. On XXXX, I again wrote to Equifax asking for validation of said alleged debt. Equifax again responded on XXXX, with the same letter that they sent to me on XXXX. On XXXX, I again pulled my credit report to find that Equifax is reporting the new information that they provided to me on XXXX and XXXX. In addition, my credit report has never been marked that this account is disputed. These are clear violations of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
While most state harassment laws do not require the victim to formally request the harasser to stop, some documentation goes a long way in establishing your displeasure with the offender 's actionshence the cease and desist letter. ... A cease and desist order is given by a judge to order a person to stop a certain act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: SYNCHRONY FINANCIAL
State: AZ
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:
An account was opened with PayPal/ Synchrony Bank in my name and I was not the one who established the account. I filed a report on the phone and received in the XXXX mail a letter dated XX/XX/XXXX stating the account was immediately closed. It further stated the credit agencies would be notified to remove the account from my credit report. The letter informed that my information had been flagged in their system to prevent further fraud. A letter dated XX/XX/XXXX was then received stating due to the account being older than one year and the person who opened the account had benefited from a purchase, Synchrony Bank refused to consider this fraud or close the account. On XX/XX/XXXX, I called XXXX and spoke to the Rep : XXXX. Upon trying to find my account using the only phone number I have had in over five years I was told I did not exist in his system. When trying with my name and the account number on the invoices I have received, the account was found. I requested to pay off the account and have it closed. I wanted in writing that this account was closed and would not effect my credit. I was informed by the representative that he would not do that. He stated the account had been considered delinquent and officially closed on XX/XX/XXXX. He stated the process had already begun to report this to the credit bureaus. The Rep informed me he would transfer me to the Fraud Department for further follow-up on my complaint and at that point terminated the call.

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 2017-05-30
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I accidentally made double payments on the tax ( once from the escrow and once by myself personally ). The county sent back one of the payments to the Mortgage company ( XXXX. The Mortgage Company had transferred my account to another Mortgage Company ( Freedom Mortgage ). XXXX sent the money to Freedom Mortgage. Freedom Mortgage has received this amount ( They have the XXXX Tracking number and the package has been received by them ).
I have requested them to send this money back to me. They have asked me to obtain Proof of Payment from XXXX etc. Despite many attempts to coordinate this effort between the two companies, I have not received my money.

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 2020-03-05
Company: PNC Bank N.A.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Original mortgage sold ( XXXX ) to PNC Bank in XX/XX/2019. Received letter mid XXXX informing us of the sale. Contacted Both banks to confirm. Asked PNC if auto payment would transfer, they said yes. A week later we received a payment book in mail. I called PNC again to verify everything transferred, this rep said auto payments dont transfer. Asked what we needed to do so our payment would be on time. Rep said we would have to pick either the XXXX or the XXXX to have our payment automatically transferred. I said that our original loan was for the XXXX. She said that that was their policy. I asked her twice if I completed the paperwork if it would be in effect before our next payment became due, she told me it would. I checked our regular bank today and the payment had not been taken out. Called PNC again too see why, rep said that it would not take effect until XX/XX/XXXX and they sent letter yesterday. I told her I had completed all paperwork they requested by the deadline they said they needed it. Now our payment is late. This has been more frustrating than the initial purchase and closing of the original loan. Not only did PNC change due date, they changed the amount due from the original loan. Im not a lawyer but there should be laws to protect consumers against this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, 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:
Unauthorized inquiry by XXXX on XXXX Unauthorized inquiry by XXXX XXXX on XXXX Unauthorized inquiry by XXXX XXXX  on XXXX Unauthorized inquiry by XXXX XXXX on XXXX Unauthorized inquiry by XXXX on XXXX I called each company to state that I didn't initiate these inquiries and requested for them to delete the inquiries from the bureaus or send me a deletion letter. I was ignored after several request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Moria Development, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was in the process of purchasing a home. The lender was working on my credit report to do a rapid rescore. She began to be unresponsive or less responsive with emails and not returning my phone calls. Then I was notified of a new credit card that was applied for in my name, but I did n't apply for one. The lender was very determined to process my loan, to the point where she opened up a credit card in my name without my permission. Doing this would show more available credit and less debt, increasing my score. When I emailed her and her supervisor asking about this card, she never responded, i did not close on my house and I lost all my money that I put in. At this point, the sellers realtor filed a complaint due to non communication, my realtor sent an email to her demanding a response within a timely manner and she completely did not respond to anyone. Her supervisor called me 3 days after we were supposed to close and said that I needed to contact the FBI and that they 've decided to deny my loan because everything is just a mess now. I am asking to be refunded on all the fees I paid out, or I will be pursuing further action.

Company response to consumer: Closed
Consumer complaint received 2022-03-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Emails, even as essential as those with statements, from this credit card company contain third party tracking pixels. Also known as web beacons, these codes are embedded in invisible pixels in most service emails and are designed to collect private data such as IP address, device and browser details, time, forwarded email addresses etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is considered inadequate as per all privacy laws I am aware of. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and any optout options. After complaints via public boards, only things I heard are PR statements such as reference to their privacy statements and ultimatum about unwillingness to remove secretive trackers. Additionally, the company does not honor do-not-call requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
From approximately XXXX while attending the University XXXX XXXX XXXX  XXXX XXXX XXXX ) I borrowed money to attend college at XXXX. I believe that these were XXXX guaranteed student loans. 

Now, all of these records are missing from my credit bureau reports. The loans were taken out at the Bank of America XXXX XXXX loan department. All of these loans were forgiven, but I want payments on the loan reflected on my credit bureau report, because these loans and payments were a material and significant financial event. 

I have had no help about this matter from the Bank of America. The loan check ( s ) were deposited into my checking account at the XXXX Branch of Bank of America.

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 2015-12-31
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/2015, I filed an dispute with Enhanced Recovery Company. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Enhanced Recovery Company. never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Certegy Holdings, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
My local XXXX food store, XXXX XXXX XXXX, XXXX TX XXXX, declined my personal check for {$100.00} cash on XX/XX/2020. They gave me the info of their check service to find out why my check was declined. Certegy Check Services XXXX Inc, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX, stated that my name, address , and XXXX  store location was the cause and that is their policy. This is highly discriminatory since they did not use my check cashing history or credit history to make a decision, only my name and address. I called to complain and talked with XXXX, XXXX XXXX XXXX, but she repeated that Certegy has the policy of evaluating checks based on name and address, not financial history. This is highly discriminatory. I demand that you stop this discriminatory action and change your policy. I have filed a complaint with the Attorneys General of Texas and of Florida. 
XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Cell 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 2019-05-20
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I received notice from my insurance company ( XXXX XXXX XXXX ) that my insurance payment due from my mortgage company was past due in the amount of {$990.00}. 

I then tried to call NewRez - my mortgage lender who had recently bought my loan from XXXX XXXX. In trying to call NewRez, I " experienced '' their VRU phone menu for the first time. It took me over a half hour to talk to a person, after getting hung up on 3+ times in multiple different transfers. When I finally talked to an agent and they tried to transfer me to the Insurance department, I was hung up on again. 

When I did finally talk to someone, I was put on hold for over 30 minutes and no one ever came back to get me off hold. I can not believe that this company is allowed to function as a company when they can't even figure out how to answer a phone call. I am so frustrated that I had no choice in who my mortgage was being sold to and that I have no choice to move my mortgage away from NewRez - a company whom I did not select. I should have a means of moving my mortgage to a company that I choose to work with without having to refinance. 

Companies that can not execute on the basic functionality of answering the phone and talking to a customer should be shut down.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have an excellent credit score and plenty of available credit from numerous sources. 
Earlier this month I applied for a Macy 's credit account in order to take advantage of a promotional discount on a purchase ( sofa with a {$1700.00} cost ). 
The application was denied by Department Stores National Bank. Here is the explanation that they provided : " Unfortunately, after careful consideration, we are unable to approve your request for a new account. Our decision is based on information we received from one of our Citi affiliates that your relationship with Citi has been reviewed and we can no longer service accounts for you '' By way of background, I am in litigation against Citigroup and XXXX XXXX XXXX XXXXXXXX on a wrongful termination matter. 
This retaliatory action is clearly illegal under Regulation B, as is not germane to my credit standing. In fact I still have accounts with other Citi affiliates. 
Furthermore I am a senior citizen of XXXX origin. If this is not disparate treatment, then I don't know what is. 
I did in fact buy the sofa paying with another card without any issues.

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 2020-11-02
Company: AES/PHEAA
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:
XX/XX/2020 - my credit score dropped 115 points because FedLoan inadvertently reported me 90 days late due to a mistake on their part. At least two or three FedLoan agents assured me that they had not reported me late. I disputed the late payments with the major credit agencies ( wasting my time since FedLoan was in the wrong ). Finally speak to an account specialist in late XXXX who discovers what went wrong at FedLoan. The account specialist stated he would escalate it. Fedloan sent me requests on how to mail my info via USPS to resolve the issue instead of taking responsibility for their mistake. XX/XX/2020 - my credit score jumped back up about 70 points and their only course of action is to say " sorry '' and to " check my credit and hope that it goes back to normal ''. Absolutely unacceptable, incompetent, negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: MO
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 numerous credit inquiries that i did not authorize and are showing up. I have disputed by phone and nothing done. I disputed online and they closed the dispute same day saying they will remain for 2 years. This is not correct to do and fraudulent. I want these removed. It seems to me that a credit bureau reporting false info needs to be held accountable and should fix the areas of concern. Pages 3, 4, and 5 of the uploaded report shows the inquiries that are not authorized by me.

Company response to consumer: Closed with explanation