BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I applied for a 3-month Covid-19 loan forbearance in XXXX, knowing that I would be having financial trouble as a result of my family having contracted XXXX XXXX the month prior. I was told I was approved. One week into my XXXX forbearance I began to receive harassing phone calls to make my " late '' payment. The caller didn't know I was on forbearance and then told me I only qualified for ONE MONTH. Then told me that I had qualified for XXXX as well but I'd already made a payment for that month before applying so it didn't count. I applied in XXXX AFTER paying knowing I would not have money for the NEXT upcoming months. Then I received a letter saying I was only qualified for ONE MONTH, the month of XXXX. I borrowed money and tried to log in to pay for XXXX and it would not allow me to make a payment because it said I was behind on payments for XXXX, the month I was supposed to be in forbearance. 

I am a XXXX veteran with complex XXXX from the military and the XXXX XXXX XXXX. I just spent months in intensive XXXX XXXX treatment for a XXXX XXXX This is not okay.

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 2020-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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 status incorrect

Complaint:
On XX/XX/XXXX Portfolio Recovery and I made arrangements to pay off this account and they would delete it from my credit. I have a letter they sent me. On XXXX XXXX XXXX XXXX sent a check to Portfolio Recovery was sent the full amount I negotiated with them. Although the check was mailed, they argued they had not received the check. I confirmed with the title company, and they confirmed the address they used for mailing the check was correct. Portfolio Recovery confirmed with the title company that they had received the check, but they were telling me they hadn't received it. The title company had to place a stop payment on it, and overnight them a new check on XXXX. Portfolio Recovery then sent a letter dated XXXX that my payment had been received and that the account would be deleted from my credit report within 30 days. The account was deleted from XXXX  and XXXX  but not from XXXX  because Portfolio Recovery refused to confirm that the check issued by the title company had cleared. My credit report dated XX/XX/XXXX still shows this account. Portfolio Recovery refused to uphold their end of the agreement, and due to that, I can not buy a home at this time. My lender can not qualify me with this collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage is owned by XXXX and serviced by PNC Mortgage. My Loan # XXXX. I have been working with PNC for XXXX years now to get a Making home affordable loan modification to save my home from forclosure with no success. I have reviewed all the information and based on guidelines should qualify. PNC has been giving me the run around. I have given them all needed documents and they close my file and make me start over. They keep blaming it on the investor guidelines buy wont allow me to speak with anyone from XXXX. I am never given clear denial reasons. Please help me save my home from forclosure. I am stressing out over this long process that leads no where. I have once again submitted another making home affordable application on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 


In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Santander Consumer USA Holdings Inc.
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Attempted to get into an auto loan for a vehicle on XX/XX/XXXX. Credit score at the time was horrendous, yearly income XXXX gross. Was told that I could be financed ( predator loan ) for the amount of XXXX dollars at XXXX dollars a month, and could refinance for a better rate when my credit score went up. Payments have been going majority toward interest for 12 months, and not principal. Credit score has risen nearly XXXX points in 1 years. Attempts to refinance are not accomplished, negative equity keeps building on the vehicle. Vehicle now worth under XXXX dollars. Was told by banks that unless I dumped money into the vehicle, I would NEVER be able to catch up on equity. Attempted to contact lender on XX/XX/XXXX to negotiate monthly payment. Lender would not negotiate monthly payment. Stuck in a vehicle I should not have been financed for in the first place. As of XX/XX/XXXX amount owed on vehicle is XXXX with a payoff of XXXX with XXXX total paid ( XXXX " late fees '' for distributing monthly payment in half, XXXX in interest alone, and only XXXX towards principal varying from XXXX any given payment ). Monthly Amount is beginning to stress financial situation ( life changes ) and there is zero negotiation or chance of refinance without default of payment, repossession, or bankruptcy ( no actual reason for bankruptcy at the time ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Well they charged me a significant amount of interest on the car loan and resulted to me filing Bankruptcy which now they will not release the vehicle and continue to hold it even thought their contempt under the bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
i received a reply from HSBC on case # XXXX, here is my loan # i had with them XXXX, they didnt have enough information to process my loan, yet i called and was given my own account # hmmmmm. I PAID this loan off, it was NOT transferred. Also they show my last payment late XX/XX/XXXX when loan was paid, my last late payment XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Reliant Capital Solutions, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Reliant Capital Solutions LLC XXXX contacted me for a loan that 's not mine. I sent them dispute letters but they still reported my account to credit bureau and that 's marring my credit report. They have not provided me any proof that the loan is mine. They keep sending me a bill which is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A debt that originated and closed in XXXX was re-reported to my credit by a furnisher with a false open date of XXXX and a false status of " open '' I notified Equifax by dispute and instead of investigating, Equifax allowed a false report to remain on my credit after it had more than sufficient information to verify the reporting agency XXXX XXXX XXXX was falsely reporting an open date of XXXX, when it was actually XXXX. 

I provided this same information to XXXX XXXX, who, properly investigated and removed the account because it was clear this collection agency was providing false and fraudulent information to get around the FCRA 7.5 year reporting requirement.

Equifax had an obligation under the FCRA to investigate and reinvestigate and it ignored its duties.

Under FCRA 611 ( a ) ( 1 ) ( B ) -- the CRA must review and consider all relevant information submitted by the consumer. I provided the information necessary for it to confirm my dispute was accurate and this reported collection agency was illegally changing the 'open date ' to suffice FCRA reporting requirements.

I provided Equifax with a dispute regarding an out of statute account being reported with a false date of XXXX when the debt was originated and written off in XXXX. 

Equifax could easily verify this information, like XXXX XXXX did before it removed the information from my report. 

But Equifax was made aware this debt was out of statute and it ignored additional dispute information. It failed to investigate the claim. 

Equifax have caused significant damage to my credit by willfully violating federal consumer credit reporting laws. This out of statute and false report needs to be immediately removed from my credit. 

Background : XXXX XXXX XXXX obtained an out of statute debt originated in XXXX and written off in XXXX, more than seven and a half years have passed which precludes the creditor and any collection agencies from reporting it to my credit bureau. Under the FCRA 15 U.S.C. 1681c -- - an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. More than 7.5 years have passed. That being said, XXXX KNOWINGLY and FALSELY reported the " open date ' of the account as XX/XX/XXXX. This is an outright lie. An intentional lie. A willful lie. An outrageously ILLEGAL lie. I disputed the fraudulent lie through XXXX and equifax. XXXX removed the false fraudulent report. Equifax ignored its duties and allowed the fraudulent illegal report to remain. 

The FCRA provides for maximum penalties of {$4300.00} **per violation** in the case of lawsuits brought by the FTC. I strongly urge the FTC to reinvestigate this already failed credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: WA
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/XXXX, I logged on to my Experian account to check if a new account was reported yet, when I noticed my citicard was reported as closes account, no reporting info, I had checked my Experian account at midnight and it was showing the account, so I called XXXX they said no account is good, so I called Experian and spent an hour on the phone spoke to 4 different individuals, I was told because my subscription was cancelled after my 30 day free on Experian that why this is happening they were rude, my score dropped 20 points from XXXX to XXXX because they show the account as closes no reporting of payment I ha e exceptional payment history never missed a payment ever I'm disgusted with Experian and think it's wrong of them to use my membership as a way to control my score I have it recorded,

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 2017-07-24
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
On last week, I contacted Synchrony Bank, for my XXXX XXXX XXXX card. My recent statement jumped from a minimum payment of {$370.00} to {$580.00}, of which I was alarmed. I contacted Synchrony Bank and talked with the customer service representative and the supervisor to see if they could get my payments lowered, adjust the interest rate or keep the payments where they were around {$400.00}. They told me no. I contacted them again today XXXX, and they told me no. I told them I would report this to the Fair Credit and CFPB. The interest rate they quoted me is {$29.00}. Almost 30 %, which is outrageous and they said there is no negotiability. I asked if I could n't make the monthly payment, then what happens and they said I 'll be paying late fees and a much higher monthly payment. Something must be negotiated here. I am struggling month to month, I am able to negotiate other cards and even student loans but not this card. I make my monthly payments on-time and I feel like I am being penalized, I have suffered a death and I am just overwhelmed in grief and financial responsibilities that go along with it. If you could help me in any way to get the payment lowered or lower the interest rate I would appreciate it. Thank you for your time. Sincerely, XXXX XXXX email : 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 monetary relief
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: NJ
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 never received anything in regards to this account. I have no knowledge of this account. I have tried contacting this company and have received no response.

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 2015-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Today at XXXX my husband, XXXX XXXX, received a call form Portfolio Recovery Associates from XXXX, regarding a debt for XXXX XXXX, from XX/XX/XXXX, of which my husband is not associated with, he is not a co-signer nor a joint holder on this account. This account was opened before we met and was defaulted on before we met. My husband and I married in XX/XX/XXXX and he was should told this is a debt for XXXX XXXX for {$1100.00} and that he was listed as the contact for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-08
Company: PNC Bank N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC bank offered promotion {$300.00} for creating account. 
I applied for account XXXX/XXXX/2015 over phone and agent emailed me coupon with conditions. 
One of required conditions was to have total Direct deposit at {$5000.00} within 60 days. 
This and all other conditions were met by XXXX XXXX, 2015. 
Account was created according to PNC papers on XXXX -- XXXX/XXXX/2015 and corresponding documents were sent and delivered to me on XXXX XXXX, 2015. 
Until that I did not even know for sure that account will be approved moreover did not have account number. 
PNC did honor their obligation to pay Promotion bonus. 
It is likely because they started counting from their internal work for account creating rather than from the moment I as account holder became capable to handle my account and in particular assign my Direct deposit to this financial institution. 
Until I received paperwork it was their account though on my name and it was not mine. 
I requested to compensate delay on those several days because in no way I could use my account before having account number. By the way PNC failed to email me any info confirming account creation and when I called over phone their agents twice could discover status of my account. 
I found this as dishonest practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: PNC Bank N.A.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have XXXX joint mortgages ( I accumulated with my ex-wife of almost 20 years ) my credit report and I only own XXXX home. On XXXX XXXX, 2011 I was amicably divorced without legal representation.My divorce decree clearly list XXXX of the mortgages as the debt of my ex-wife. Number XXXX was gifted to my ex-wife and there is a quit claim deed on file. I have no ownership and yet I am being held hostage whenever my credit is reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I been dealing with the promotion with synchrony bank ( XXXX XXXX credit card ) sincei made a purchase on XXXX XXXX 2015 with a promotional period of 36 months with 0 % APR and, they duplicated my purchase so I been calling every single moth in order to fix this problem once for ever, and I believe I a victim of an scam by this institution because I did only one purchase for {$3300.00} on XXXX XXXX 2015 no other ( of {$2400.00} ). 
I m sick and tire speaking with synchrony bank customer service and they did nothing about this problem that is affecting my credit and my minimum payment agreed as the promotion offered. 
thank you for your attention in this matter

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 2022-10-11
Company: Credit Corp Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account under " XXXX XXXX XXXX '' appeared on my credit report. To my knowledge I have received no correspondance from this company. I'm unaware of any debt in this amount and have received no information regarding the supposed debt. I would like this removed from my report until I have been properly contacted and notified of the debt. 

No contract, bill, statement or any such " communication '' has been sent on behalf of this debtor what so ever. I would like this erroneous information removed from my report, as it's hindering to my purchasing power and future credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been a customer of Citi Bank since XX/XX/XXXX, and I have a credit card account with them. My credit card APR standard purchase interest rate has consistently been at 9.99 % until this past XX/XX/XXXX, when it was increased slightly to 10.74 %. I received notice from Citi this recent XX/XX/XXXX that they would be raising my APR standard purchase interest rate to over 17 %. 

Citis explanation for doubling my APR standard purchase interest rate, as communicated in my XX/XX/XXXX statement, was due to : - A reported credit score of XXXX ( from XXXX ) - The number of accounts I have in delinquency - Too few accounts currently paid as agreed The aforementioned explanation Citi provided above is untrue and unfounded. My credit score, as reported by XXXX, is XXXX ( XXXX could not provide me with my credit report ). As per my XXXX credit report, I have been late with ( 1 ) credit card payment in a total of 10 years across ( 6 ) credit card accounts. Additionally, with the exception of this ( 1 ) late payment, all of my credit card accounts report " exceptional history '' with me, including Citi Bank.

I therefore disagree with Citis explanation and associated 200 % hike in my credit cards APR standard purchase interest rate. I contacted Citi Bank today, Friday, XX/XX/XXXX, via phone and I communicated everything Ive written in this message to a Citi bank agent. I asked that my APR standard purchase interest rate be changed back to the previous 9.99 %. 

The Citi Bank agent filed a report and this associated request for me, and she said that it XXXXay or may not be considered by the bank.

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 2017-01-05
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent a copy of the letter from the XXXX, XXXX XXXX XXXX that outlines their efforts to have the defaulted loans removed from my credit reports. This happened XXXX XXXX, 2016, but the reports have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked XXXX that Portfolio validate this debt. I have received statement and looks like maybe a copy of a bill from XXXX date XXXX/XXXX/2010. 

portfolio has not removed this from my credit reports or validated this bill.

Company response to consumer: Closed with explanation