BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: Stellantis Financial Services US Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had a vehicle financed through First Investors. I was in a car accident in XX/XX/2021 in which the vehicle was totaled out. In XX/XX/2021, I was told by First Investors that the gap insurance claim was denied and that I would still have to cover the remaining balance ( approximately {$1400.00} ) on the account. They also informed me that since the gap claim was denied, they would apply a refund check in the amount of about {$370.00} and that it would take 6-8weeks for them to receive said check. I later found out from the company that provides the gap insurance that First Investor NEVER filed a gap claim as they had stated to me. Because of their dishonesty and giving me misleading information, Ive now missed the opportunity to possibly have the remaining balance paid off by the gap insurance, which I was entitled to if the claim had of been filed and approved.

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 2017-06-26
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The company is awaiting approval from thw bank for at leas t three week s now to open an account.

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 2017-06-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On  XXXX   XXXX ,   XXXX   I contacted   XXXX   XXXX   XXXX   XXXX  regarding the removal of my current mortgage serviced by Select Portfolio Servicing from my credit file. I spoke with a representative whom advised that   XXXX   had received an "  Electronic Communication  '' from  Se  lect Portfolio Servicing to remove the item from their credit reporting. I spoke with Select Portfolio Servicing on  the same day  XXXX   XXXX ,   XXXX  , and they advised that they had not sent any communication to   XXXX   regarding my account and it still should be reporting as usual.  Select Portfolio Servicing  faxed me a copy of the information that had been reported earlier in  XXXX  to   XXXX   f  or reporting.     Due to   XXXX   XXXX   XXXX   XXXX  removing my mortgage from my credit file, my  credit score  has dropped from  XXXX  to  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Debt Recovery Solutions, LLC
State: GA
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:
Theres a account open in my name on XX/XX/2022 with a balance of {$290.00} that I did not authorize nor request to be open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Monterey Financial Services LLC
State: MT
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:
Monterey Financial never billed us, or send emails ... nothing. Apparently, we paid them with an auto withdrawal for months. Then when our account was hacked we closed and reopened a new one. When were notified on our credit we were 30 days late we called. We paid them immediately and the employee checked with his supervisor to ask for the late remarks to be removed. They agreed they would take them off after the payment process. We called back a week later, This is in XXXX of XXXX Monterey then said they would not remove the late remark. At that point, we paid off the account in full because they were dishonest, and never send bills in the mail or in any other form.

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 2017-06-26
Company: United PanAm Financial Corp.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I attempted to make a monthly car payment on the companies website. I received an error message that the payment could not be processed and to try again. I did, and received a confirmation number. Two days later I reviewed my bank account and discovered TWO payments had been processed for the monthly payment of {$460.00}. I immediately contacted the company ( United Auto Credit ). I was advised that the rep would open a request to have the funds returned, and that it would take 10-15 days. She stated the error may have been caused because the payment was made as the date shifted from the XXXX to the XXXX during the transaction because it was late at night. I waited a week and called again. The rep then tells me I have to submit documentation showing the double payment and then wait and additional 10 to 15 days. She also advised me to speed up the process I could contact my bank and list the payment as unauthorized. I did this the next day and the funds were returned to my account. The next morning, however, my bank contacted me and advised me that the XXXX was again withdrawn o n XXXX and listed a an " untimely return ''. I again contacted UAC and was told that I still had to submit forms for the return and that it would be mailed out in check form once cash management signed of on it, but I had to hurry because they only send checks out on the XXXX and the XXXX of each month. I called again today on XXXX and there is no update, each time I call, I am told the person I need to speak with is unavailable. These funds were crucial to paying my bills and it has caused me great financial hardship trying to replace these funds. I have also included a copy of the email sent to the supervisor I was told was in charge of resolving this matter, I still have yet to receive any 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 2022-09-05
Company: EQUIFAX, INC.
State: SC
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 have attempted to have these inquiries removed twice. I have asked the credit bureaus and lenders to provide proper documentation of proof of inquiries as I can concerns for fraud the response is that it has been validated. My disputes have been opened and closed within such a short window that I doubt the information was actually validated. 

I would appreciate if the hard inquiries be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have attempted to have these inquiries removed twice. I have asked the credit bureaus and lenders to provide proper documentation of proof of inquiries as I can concerns for fraud the response is that it has been validated. My disputes have been opened and closed within such a short window that I doubt the information was actually validated. 

I would appreciate if the hard inquiries be deleted.

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 2022-03-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In the Fair Credit Reporting Act it stimulates that student loans are need based loans, lenders are not in need to view my credit score when extended for a credit. It's not meant to be on my credit record because it has nothing to do with credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX XXXX NO NAME COMPANY? 
XXXX XXXX XXXX XXXX Dept. of Ed/XXXX XXXX 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 permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EdFinancial Services
State: GA
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:
It is fact that I, the affiant, have tried to resolve this matter on numerous occasions dating back to XX/XX/XXXX with XXXX XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$5900.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. I was recently informed that they have closed and sold my account to another debt collector, Ed FinanciaXXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with Ed Financial on the dates of 11/18/21 and 12/13/21. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/2022 XXXX BANK OF AMERICA XXXX FRAUD MY XXXX TRANSFER GOT STUCK, I CALLED XXXX, THIS ENDED UP BEING A SCAMMER WHO CLAIMED TO WORK FOR BOA XXXX. IN DISTRESS I THOUGHT THEY WERE OFFICIAL. THE SCAMMER ACCESSED MY PHONE AND BOA ACCOUNT AND INSTRUCTED ME TO ENTER CODES. THEY DID THE SAME WITH MY XXXXXXXX XXXX  ACCOUNT THAT THE FUNDS WERE TO BE TRANSFERRED TO BUT XXXX XXXX LOCKED MY ACCOUNT.

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 2022-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I will include todays date XX/XX/22. The federal gov, needs to look into why credit card rates are to high and why when your credit score goes up the credit card companies do not reduce the rate?? When the federal gov started to regulate the bank rates the banks back door the feds and raised the credit card rates, For example I have a good score of XXXX my rate with capital one is 24.9 % on one card and 23.99 % on another card?? I don't use them like other people would but there was a time when I needed them ( right now people are hurting and are using them } No one can get ahead with these rates. Yes I have called them to reduce my rates. They said they can not do that { Mad } I am not the only one with this problem. My XXXX cards are 22.24 % and 25.74 % on the other ( mad ) If you need to used your XXXX XXXX ( which is for medical ) It is at 26.99 % This goes on and on. Yes again I have ask for reduced rates Answer NO People can get into so much trouble with these rates. So STOP these high interest rates and help People to get back on trac. These rates are way to HIGH for anyone right now And is the reason BIG BANKS are building beautiful buildings. Regulate the interest rates on CREDIT CARDS. After that check into the Buy here pay here at a low of 44 % +

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/2019, XXXX XXXX XXXX transferred my Home Equity Line of Credit to Specialized Loan Servicing. I have always had my XXXX XXXX XXXX checking account automatically debited to pay the XXXX XXXX XXXX   HELOC. When they transferred my loan, they stopped the auto debit. I also always pay an additional principal amount on my own to reduce the balance. When they stopped the auto debit, I paid it online, along with the additional principal amount. Specialized Loan Servicing has not credited my account correctly since this loan was transferred. They sent me a statement reflecting the total amount I paid and placed it in a suspense account. I have called numerous time trying to resolve this. They told me to send an email with my issue, plus attach my previous XXXX XXXX XXXX statement. 

I have done this, I keep calling and asking for a supervisor. They place on me hold and nobody comes back on the phone. They were showing me past due one month, now they are showing me past two months. I have paid XXXX, XXXX and XXXX. I was about to pay XXXX today, but they are now reflecting two months past due. This is extremely stressful, as I have never been past due on my mortgage. I also have called XXXX XXXX XXXX, but they say can not assist me, since the loan has been transferred.

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 2022-09-05
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
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 information incorrect

Complaint:
I have disputed with Transunion, the information they are reporting for XXXX XXXX XXXX. I have no financial responsibility to this company. I have asked numerous times for validation that I owe this company money and have never receive anything. Transunion is the only company saying they have verified this account, when no one else has??? How was this account verified? Can I see the copy of the contract I supposedly have with XXXX XXXX XXXX? Although Transunion has the right to report false information on anyone they choose, they also have the right to be held responsible for the false information they report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-up to a previous claim I made thru this site to JPM Chase regarding my mortgage loan # XXXX refinanced in XXXX. JPM Chase states that they indeed processed a HARP loan which was not stated originally. However, JPM Chase failed to adjust the loan rate to reflect the HARP rate at the time which was below 4 % not 5 % which is the rate I have been carrying on my loan. As stated previously, JPM Chase never disclosed to me that they were processing a HARP loan. It was only until after I read about this program years later that I enquired other lending institutions and then Chase themselves, if I could apply. I was told no but without further explanation. Also, last year, due to other issues I 'm dealing with that involve the ownership of mortgage notes, I questioned JPM associates about the ownership of my note. First they stated JPM did not sell its loans and confirmed that my note was with them. It was only until after I posted the claim thru the CFPB that JPM stated that it was with XXXX. I purchased my house in XX/XX/XXXXand my LTV was always positive. I had never defaulted on my loan nor I ever had higher debt than the equity on the house. I believe JPM incorrectly qualify me for a different loan because they had been incorrectly trying to charge me for a transaction on a credit card they never told me they had approved nor had sent me any card nor statements until months later. Their investigation department got involved and although I got the representative to effect a conference call with the vendor JPM was alluding they made the payment to, when the vendor was confirming that the account had been long paid off by XXXX, JPM associate cut me off from the call and never got back to me. A few months later after noticing that rates were lower, I applied to refinance my mortgage. However, Chase indicated that I did n't qualify for the posted rate. When I inquired why, they did n't provide much explanation but indicated that I could refinance it at 5 %. This was not much of a decrease from the existing rate at the time and in fact, the overall cost of the refinance turned out to me much higher than what I previously had. Only the monthly got lowered but the total debt increased tremendously, now I realize. This loan was not to my best interest. JPM Chase was quick to act on the refinance by sending me all docs via e-mail and getting a representative to my house to finalize the paperwork. At no time, did any party involved explained to me that I was signing for a HARP loan and what were the benefits or disadvantages. At the time, my job situation was not solid and any bit of reduction in expenses helped ; however, I see that JPM Chase only took advantage of the situation and did n't act to my best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I realized that my daughter never received bills for her student loans for her XXXX program through Navient. She graduated in XX/XX/XXXX. 
I called Navient to take the loans out of deferment and they told me they were unable to do so since she was enrolled in XXXX XXXX. 
When I asked to speak to a supervisor ( XXXX at XXXX ) he repeated that could not take the loans out of deferment until they were notified by the XXXX program that school was complete and there had been a 6 month grace period. I would like to start payments on loans immediately - it seems crazy that they want to keep student loans from XX/XX/XXXX in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I made a simple request in mid  XXXX   XXXX  online -- using their link, a link specific to " change your payment date ''. I have made on time payments since  XXXX   XXXX  to American Education Service s ( AES ) , according to their website. These about {$160.00} payments were drawn on the  XXXX  of each month. I wanted to move the payments up in the month to better assess how much surplus my wife and I had each month to be able to make extra payments. I requested the  XXXX  of the month. I called a week later. They said nothing happens for 10 days. Then  XXXX   XXXX  I got a message that I failed to sign their form, which was not linked to the link described above. Ok, fine. Done, mailed it same day  XXXX   XXXX   XXXX . Sent an email last week  XXXX   XXXX   XXXX . Nothing. Pure delay tactic. To make it fair these servicing companies should be docked all the interest for their delay, otherwise what incentive do they have?

Company response to consumer: Closed with non-monetary relief