BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-18
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This property has sat unoccupied and with little maintenance by the Owner/Property Manager for a year. The Association has had to take over landscape maintenance and has spent countless hours trying to contact the property manager asking them to maintain the property to little/no avail. The Association has incurred a substantial amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have commented that the appearance of this property has detracted from the value of their property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Monarch Recovery Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive never done any business with this company so I do n't owe them a dime. If they are in the business of buying " dept ''. that is there problem not mine I only do business with any original debtors. Just like if someone owes me money I ca n't go to the local debt store and say " hey you wan na buy some debt so and so owes me ''? Its ridiculous I wo n't do it I wont deal with it and I will not have anyone harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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: Personal information incorrect

Complaint:
I have a lot different name on my account. 
They wrote my name in so much different way I would like to delate those names and just have on in the correct way. 

Also the address if you can delate my old addresses and just leave the recent one. 
Im working on my mortgage house and, Im having some issues whit it because of that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have a lot different name on my account. 
They wrote my name in so much different way I would like to delate those names and just have on in the correct way. 

Also the address if you can delate my old addresses and just leave the recent one. 
Im working on my mortgage house and, Im having some issues whit it because of that

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 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
This is a two party complaint against Capital one bank and XXXX XXXX. On XX/XX/2019, I made a {$250.00} transfer from XXXX XXXX  going through XXXX to XXXX XXXX XXXX at Capital One. I was told from XXXX that their was an error in the number but that it had been corrected and the monies was placed in her account on XX/XX/19. I called numerous times to Capital one and my daughter, and XXXX to no avail, no one wants to return the {$250.00} that neither one of us received, putting the blame on the other bank. The money was found but is in limbo and as of today XX/XX/2019, we have still not received the funds. 

Capital One bank General correspondence/complaint XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX CapitalOne.org XXXX XXXX complaint ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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:
My credit card had a fraud of over {$500.00} in XX/XX/2018 and I promptly closed my card and asked HSBC to not renew it. HSBC registered a fraud complaint on my behalf and started investigation. Later they found that the transactions were actually fraud and sent me a letter explaining about it. 

About 90 days after this incident, I received communication from HSBC that I had not paid back my credit card amount and should expect a dent in my credit score etc. When I contacted customer service, they explained the situation in detail. They explained that while the fraud charge was under investigation, the bank was expecting me to pay the amount back. Since, I did not make any payment, they levied late fee and interest on my account. Thereafter, once the fraud complaint was resolved, they removed the fraud amount from account but the late fee remained. Then, on the next cycle, they added more late fees as the account still had a balance and continued to do so for 2 more cycles. They informed me that this should not have happened in the first place and that they'd credit back the full amount to my account and it would not show a balance. They also apologized and sent a letter explaining the actions. 
However, in the very next cycle, I saw one more late fee charge and also saw their credit. I contacted the customer service again and the new representative said that I needed to make the payment and the credit was not enough to offset the balance alone. I went ahead and made a payment and they immediately credited me back the amount paid. Amidst all this, they maintained that the whole fiasco should not have happened and apologized for it. However, by this moment, they had already reported the effect of late fees to credit agencies dropping my credit score heavily. 

I am a diligent credit card user who has always paid it back in time, without a ding in my history. However, this incident is making me suffer a bad score through no fault of my own but the sheer negligence of HSBC who did not communicate anything clearly and left me frustrated with the whole system altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: AMERICAN HONDA FINANCE CORP
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 I refinanced with XXXX XXXX. As part of that refinance the Bank had the Title Company cut a check to Capital One to payoff my Walmart Credit Card in the amount of {$710.00}. On XX/XX/2019 that check was taken into the XXXX Kansas Walmart to payoff the Credit Card ( Receipt attached. ) On XX/XX/2019 that check cleared the Title Company 's Escrow Account, copy also attached. As of XX/XX/2019, the balance remained on my credit card and so I called the customer service line with the title company also on the line to provide the details of the cleared check. We were told to fax in a dispute request to XXXX with the info, so that was also faxed in XX/XX/2019 ( attached. ) This payment has yet to be applied to my account and I received a letter from Capital One that this was Walmarts responsibility and that they could do nothing. Walmart has been in possession of my {$710.00} since XX/XX/2019 and have yet to provide a resolution or apply the payment to my account. With the check cleared it is too late to place a stop pay, so Walmart is in possession of funds now that have grossly been mishandled and do not seem to know where they are which seems down right fraudulent considering all the evidence attached to this complaint that they are in possession of said funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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: Personal information incorrect

Complaint:
After reviewing a copy of my credit report i noticed fraudulent inquiries on my credit file and also an address i have never lived at or been associated with is listed on there. Please remove this fraudulent information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I set up automatic payments to my XXXX  XXXX Credit card via Paypal when I first enrolled in XXXX XXXX 's XXXX XXXX XXXX in XX/XX/XXXX. 
Unfortunately, I am on unemployment and have not received an unemployment payment so the XXXX XXXX Credit Card payment set up for recurring payments was declined on XX/XX/XXXX. 
There were no other payment methods authorized for XXXX XXXX 's course via recurring payments so the merchant should have been notified that the transaction was declined. 
Instead, Paypal charged {$360.00} to my personal checking account which I did not authorize. 
I tried to delete my personal checking account as well as all other payment methods from Paypal after this unauthorized transaction was attempted by Paypal. Instead, Paypal paid the merchant themselves and is acting as my bank in requiring me to pay them {$360.00}. 
I am in contact with the merchant but I no longer want to do business with Paypal after this unauthorized transaction was performed. However, Paypal will not allow me to delete my banking information nor my other cards on file. 
Paypal can not hold me hostage to a charge that I did not authorize. I did not authorize a payment to my personal checking account nor for them to make payment for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Sent letter on XX/XX/XXXX to XXXX XXXX  re : account closed on XX/XX/XXXX. This was due to the last XXXX XXXX crash., Date of first delinquency by me was XX/XX/XXXX, which is over 6 years. In my XX/XX/XXXX letter, I asked them to remove their negative comments, They continue to report that my % of delinquencies are too high. This is my ONLY one. I have XXXX with them only for {$840.00} which is XXXX years. My request & removal of comments were denied. Their actions resulted in an Equifax score that is XXXX points below the other XXXX agencies.. 

I have held a XXXX with XXXX XXXX since XXXX. They claim my card is only XXXX XXXX XXXX. They continue to report that I have too high credit usage, my usage is currently 17 % of their card ( my only credit account ) .I have asked by phone repeatedly to correct since XXXX. The last date of my earliest delinquency is XX/XX/XXXX, m which is XXXX XXXX XXXX. They continue to report both of XXXX negative comments : Too high credit usage, which is now 17 % of my only card, XXXX XXXX. Also too many serious delinquencies, I have only XXXX ( XXXX ) which is now XXXX years old. 

Both of these actions have resulted in my denial of a reasonable car loan, based on the negative comments. I am asking that you remove these comments immediately from all XXXX credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My name is XXXX XXXX, I have my vehicle financed thru Santander Consumer USA, they are telling me I am behind and that I have 5 missing payments! I sent payments in and I even went to my bank and showed the proof that I have paid with debit card using automated thru a fee with XXXX XXXX, Santander is saying that 5 payments were reversed and that my bank has reversed charges, my bank shows nothing being reversed! So Santander did an audit I faxed papers over showing from bank proof I payed! My bank is showing that Santander was paid and that I am not behind they are threatening repossession of my vehicle! I am just trying to figure out where my money is and that I am current on my loan, I work hard and I made my payments, talked to Santander and they want a letter from bank, bank has turned it over to their resulotion center, please help me keep my vehicle, the bank manager told me about you and said I should file complaint that you can help. This all started in XX/XX/2019, recieved letter from Santander that I was behind and threatened repo, on XX/XX/2019 I had a friend make a payment to keep me from repo and we payedXXXX, and thats my regular payment, I also noticed that my payments arent going to balance but going to interest and not principle of loan,, I agreed to make another regular payment on XX/XX/XXXX, sent another payment, then on XX/XX/XXXX I faxed paperwork from my bank and they still saying Im behind!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This is in reference to your letter to me dated XXXX XX/XX/2022 about a my complaint # XXXX. 
My name is XXXX XXXX and my email address is XXXX. My address is XXXX XXXX XXXX, XXXX, Texas XXXX. My phone number is XXXX. 
I want to assist you in anyway to process this complaint for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I did a dispute with my bank for a transaction of a product that I purchased from XXXX and did not receive. I did the dispute with XXXX first and was told by XXXX that the transaction was not covered under there refund policy for lost or stolen packages, and they instructed me to dispute the charge with my bank. So, I did that. Then I noticed there were two other transactions that I did not authorize on my account, so I disputed those as well. Within 2 hours of disputing the 2 unauthorized transactions I got a response saying no error found which I was confused because when I made the 1st transaction with XXXX I got an email confirming my order, tracking information, and delivery noticed. I have been taken pro-cation to keep my account, debit card, and personal information protected. I had several incidents with XXXX XXXX that I disputed so I got bank through my bank some I had to get police reports and go through XXXX XXXX. If there's an unauthorized transaction on my account, I will notify my bank and request the help to get my money bank. I don't know why but for some reason Chime sent me an email saying they're closing my account on XX/XX/XXXX. I have paychecks, bill payments and etc. coming out of this account and just because they felt it they're closing my account. My dispute for the package I never received still says pending and when I asked them what will happen they basically said once it's done they will send me a check. I have refunds from XXXX that are going to the account and after XX/XX/XXXX I have no access to the funds. I feel like this is very heartbreaking that they will just close my account for something I had no control over. It's a pandemic still going on and people are scamming left and right I tried my hardest to keep my information protected but one wrong click from an email can get your information stolen and or a site you thing is good and you order clothes from it. I keep getting emails from Chime saying my account was locked due to fraudulent activity. Which I'm not doing. I have a government job and I have kids. I will not do anything illegal to get me taken from them or lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have an auto loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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: Their investigation did not fix an error on your report

Complaint:
I have an auto loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


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 2016-04-19
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid ditech extra money to set up my mortgage payment on an automatic withdrawal from my savings account. this withdrawal was to take place bi-monthly. Twice now ditech has withdrawn the wrong amount or no money at all. The first time this happened they did not take out any money and assessed a fee. a week later they attempted to take the mortgage payment plus the fee. Not once but three times causing my bank to assess me a XXXX fee for each occurrence. Ditech representatives told me in multiple phone calls that my overdrafts fees would be reimbursed. They never so. This month on the XXXX of XXXX Ditech was again scheduled to take half of my monthly mortgage plus and extra XXXX for the principal. This withdrawal was never made and a XXXX fee was assessed for non-payment. After numerous phone calls over a period of days I was promised that this situation would be resolved and the non-payment fee removed from my account. Friday the XXXX of this month I received what amounted to a collection notice from Ditech for non-payment and an addition XXXX in fees had been assessed for non-payment. Thus far I have made several attempts with Ditech representatives to resolve this ongoing situation. Every supervisor I have talked to has said that they would make a 'Request ' to their supervisor to get this situation resolved. Thus far nothing has happened and I am now in fear that Ditech maybe trying to set me up for a foreclosure. My wife and I have good credit. We pay extra on the loan balance in order to pay the loan off in a shorter amount of time. and we have never missed a payment. the fact that Ditech is assessing non-payment fees and sending me collection notices after their own refusal to take the money out of my account as they have done so for many months in the past is fraud

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THESE ACCOUNTS ARE NOT MINE

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 2022-02-23
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
I checked my report and discovered many account that were not opened by me and i received no benefit. Please help me remove these accounts.

Company response to consumer: Closed with explanation