BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off Boat loan account number XXXX for boat motor and trailer back in XX/XX/XXXX. After a few weeks they sent me copies of the payoff letter release of lien and 2 of the three titles. I received titles for the Boat and Trailer but did not receive the title for the motor. The registration for the motor with Texas XXXX is XXXX and still show a lien from US Bank NA, XXXX XXXX XXXX, XXXX, WT XXXX. Contacted US Bank on the XXXX of XXXX to discuss where my title is spoke with a bank agent to review all the available document and he was not able to explain where my title was. The agent would request a duplicate title and it would take 3 days to process. I called again on the XXXX of XXXX to get a status report on the title and when I could expect. The agent asked me to call back on Saturday to follow up. I call again on Monday the XXXX of XXXX and was told by another agent that it was processed and it should be sent to Texas XXXX to release the title and get a reprint. The title was electronic. I contacted the selling dealer just to check to see if the title was sent to them in error it was not. After speaking with XXXX the bank agent he assured me the team was working on getting me the title. I call again XX/XX/XXXX to discuss the process and there is no movement in getting me the title. I asked to speak with someone in supervision and was deferred to writing a letter. I have the vessel sold and unable to complete the transaction without the motor title. This would not be an issue if the boat was not sold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21
Company: Experian Information Solutions 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:
I was the victim of identity theft and fraudulent accounts appear on my 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 non-monetary relief
Consumer complaint received 2020-07-02
Company: PNC Bank N.A.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I began my loan process on or about XX/XX/20 with PNC financial. They have repeatedly lost paperwork or delayed the underwriting process. Loan went towards closing on XX/XX/20 with the loan processor. I have had my mortgage insurance certificate delayed due to errors on their end 3 times as my loan was to be closed 2 weeks ago with a closing date of XXXX per my XXXX contract. PNC has charged me multiple times over what was originally quoted without explanation. I was given a quote of {$9500.00} for closing costs that included all taxes and fees but duplicate charges I had previously paid. In bringing this to their attention they removed the fees but then added an additional {$2400.00} to bring my new total to {$10000.00} to close. I gave a 30 day notice at my current residence that expires in 2 weeks, have no alternative housing, unable to hire movers or plan the next phase of my move. I have reached out multiple times to the individuals and their supervisor and have received only vague responses that essentially kicked the can to the next person. They are still unable to provide me with a closing date as of the time of this complaint with my file being sent again to underwriting. They held my file for so long that I neared the expiration date for my paperwork that was originally submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It is incredibly difficult to manage a security freeze with Equifax. My experience is not uncommon, as a quick XXXX search reveals. The web interface unhelpfully yields, " We are temporarily unable to complete this request. Please try again later. '' Instead, I am forced to call Equifax and use the automated phone system to manage the security freeze. However, even after correctly providing the required information and answering security questions, the system unhelpfully informs you that it is unable to assist you. It suggests managing the freeze via fax, mail, and ends with an option to speak with a representative. Finally, after wasting time with the automated system, the representative is able to assist with managing the security freeze. Afterwards, the representative tries to sell me services. 

This problem does not exist with XXXX  or XXXX. I am able to easily manage security freezes online with both of those credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchase a XXXX XXXX XXXX Contract Number XXXX in the amount of {$470.00} in 3 equal payments to cover my Dishwasher and Electric Dryer. Payment # 1 was received by Sears on XX/XX/XXXX, Payment # 2 was received by Sears on XX/XX/XXXX and Payment # 3 was received by Sears on XX/XX/XXXX each from the account ending in XXXX. 

This agreement was to cover my appliances until XX/XX/XXXX. 

On Tuesday XX/XX/XXXX, I called Sears Home Services at XXXX to get service on my Non-Working Dishwasher. 
I was told at the time that I cancelled the XXXX XXXX XXXX on XX/XX/XXXX and money in the amount of {$470.00} was refunded to my account ending in XXXX. 

I told them that I never cancelled this and then I was transferred to another department who also stated that I cancelled and the money in the amount of {$470.00} was refunded to my account ending in XXXX. 

I then called Ms. XXXX XXXX a member of the Executive Member Support at XXXX to ask for her help. 
On Tuesday XX/XX/XXXX I received a non-statement form from Ms. XXXX showing payment was refunded with no other proof. 

I then requested statements covering the period from XX/XX/XXXX until XX/XX/XXXX for the account ending in XXXX. 

It took 3 weeks for those statements to arrive and they showed the refund was never made.

After many hours on hold with Sears trying to get answers,  sending letters to Mr. XXXX XXXX XXXX and Mr. XXXX XXXX, plus leaving many messages for Ms. XXXX, no one ever call or responded. 

It has been 8 weeks now and my Dishwasher still does not work and at this point all I want is the {$470.00} Sears claimed they refunded which I never received. All I want my money back for service that I paid for and never got.

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 2020-11-20
Company: EQUIFAX, INC.
State: SC
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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are account that I do not recognize on my credit report, nor did I authorize any of these malicious companies to run my credit. Please remove them from my personal credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Perfection Collection
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I just got out of the phone with XXXX XXXX XXXX XXXX in regards to a collection that shows on my credit from PERFECTION COLLECTION LLC. They mentioned that they are now holding the debt the original creditor ( XXXX  ) and the balance was paid and they agreed to remove it from my credit report. 

XXXX is home security company that sold the debt to Perfection Collection company and they hired XXXX XXXX XXXX XXXX to collect. Please see the attachment that the balance that's reporting on my credit reporting agency are wrong and they've agreed to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: PNC Bank N.A.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my car loan XX/XX/2020. In XXXX of 2020 I called to ask where my title was. They said it was an electronic title and I had to contact the DMV. I contacted the DMV and they said it was with PNC bank still. I called PNC bank again in XXXX and they said they sent me a payoff letter. I explained that I never received the letter and they needed to resend it. I received the letter later that month stating I was paid in full and the title woudl be released. I assumed I was all set until I went to sell my car yesterday and was unable to since the still held a lien on the title. Numerous calls and hours on hold with PNC has still not resolved this issue. I need them to release this title asap and they are unwilling to do that. As of today I can not get any firm commitment that I will ever get my Title.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Made a purchase with retailer and they didn't deliver as agreed. The item was returned before delivery through the shipper. Item was returned and signed for. The retailer has failed to credit the card account after two calls. Giving an excuse of a manager needing to look it over and a three day process.

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 2020-11-20
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I mailed a letter requesting that inaccurate accounts be investigated that were showing on my credit report. It's been 2 and a half months and I still haven't received a 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 2020-11-20
Company: Experian Information Solutions Inc.
State: OH
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 received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. 
Accounts : XXXX 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 XXXXXXXX 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 2023-04-02
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
TD bank has blocked refunds transactions to my account. I purchased several items from XXXX. Ive noticed since XX/XX/XXXX, on certain purchases the refunds were not going back into my account. I called TD to let them know my refunds from XXXX are being blocked. I spoke to numerous representatives and I have gone through several channels of communication. The last straw was speaking to XXXX a supervisor who said she would adjust my card so refunds would go back to my card automatically. The refunds did not go back into my account. At the time I am writing this, XX/XX/XXXX. A few more of my refunds failed to appear into my account after speaking with her. The bank has failed to explain to why they blocked refund to my account and failed to give me any prior notification. This is unacceptable and unreasonable behavior from TD. I am owed more or less of XXXX XXXX+ dollars of refund than and I want the money returned to the account. Sadly, my relationship with TD will end due to their lack of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: VA
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 XXXX Account # XXXX, under creditor 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-12-01
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-09-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I AM A XXXX XXXX AND HAVENT BEEN ABLE TO KEEP TRACK OF MY CREDT. I SAW MY CREDIT REPORT AND I COULDNT BELIEVE THESE ACCOUNTS WERE ON MY CREDIT. NOT ONLY ARE THESE ACCOUNTS FRAUDULENT ON MY CREDIT BUT I ALSO HAVE INQUIRIES THAT ARE FRAUDULENT. I UNDERSTAND THESE ITEMS HOLD MY CREDIT SCORING DOWN. PLEASE REMOVE THESE ITEMS FROM MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: OH
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 received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. 
Accounts : XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: NJ
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:
chapter XXXX bankruptcy was in my XXXX  and equifax credit report in which i disputed and the both told me the item was verified thru XXXX, ,I contacted XXXX and they told me I didnt have a public record for a bankruptcy in there system. Either these 2 credit bureaus lied or they didnt do a through investigation into my disputes either way they are in violation of the FCRA and i demand these bankruptcies be delete from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off the balance to my Wife 's Bank of America credit card ending in XXXX on XX/XX/2020 and paid the actual pay off amount. Approximately 15 days later I received a bill stating that I had a balance due of {$99.00}. I called the collections department explained the situation to them and received assurances that this was a mistake and the fees would be removed and the account marked paid in full. I have since received yet another bill for the same amount due of {$99.00} and tried to call to only be told that there was nothing that could be done but to call the collections again.

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 2021-01-26
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the month of XX/XX/XXXX my credit score dropped by 94 points due to a medical collection that was filed on my credit report. I identified Americollect as the debt collection company who listed the collection. I contacted the company on XX/XX/XXXX to report that I had never received any notice of the collection nor any invoicing. I was informed by Americollect that the company had never sent any invoicing for an alleged amount of {$1700.00} on behalf of XXXX XXXX because they thought I had an attorney. I do not have an attorney but I had filed a state administrative complaint against the creditor to investigate improper/fraudulent billing practices. Subsequently, all the alleged recent medical debts were dismissed. I did not recognize the date of service given by americollect and since rmp services dismissed all collection activities I believe that the americollect debt is either unauthorized or billed erroneously. I have asked americollect to establish validity of the service date by sending me a copy of my drivers license and HIPPA consent to treat contract signed by the alleged creditor. I have not been provided this information to substantiate the claim. I believe it is unfair that I had not been given proper notice of this alleged debt and I have suffered financially because of this. I maintain " very good credit '' and I would have attempted to settle this debt if it was a valid debt I owed. Now it's too late to handle this account in a satisfactory manner to avoid harm to my credit because the company chose not to send me any notice the alleged debt was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX he took out a car loan with First Bank Puerto Rico. In XX/XX/XXXX I had a car accident where the unit was declared total loss and the Insurance paid in full ( GAP ) to the bank. Since that time, said bank has reported different versions to the credit agencies where the last thing they have done has been to update an alleged debt of {$7700.00} where they converted a car loan into a personal one, even informing that I recently stopped paying which is not true. This banking institution is well known for this type of tricks and false information towards former clients or people who have had similar situations to mine. At the same time, I have communicated with these people, which I have received from them, they have been threats, they have even told me to stop all procedures in the credit agencies. 
Mode of operation the person has an accident, the unit is declared a total loss, they collect the gap and additionally wait a few months later and install a new debt in the credit agencies when they have already collected the total loss of the unit. 
I hope you can investigate this situation as I am not the only person who has been through this .I have tried to get this bank to fix the information on my credit but what they have done is threaten me and change the information by reporting fraudulent information. In all the credit agencies I have objected to the information that appears for which I have a history of claims and what this bank has done is update the information and put it as if it were recent or they are reporting false information

Company response to consumer: Closed with explanation