BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX, checked my credit XX/XX/XXXX of XXXX and realized that my student loans were reporting 5 late payments each in XXXX. I don't understand how that is possible when they have been deferred properly since I finished school. According to FCRA 15 USC 1681 ( a ) my report is inaccurate and unfairly being reported. The credit bureaus are in violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: DISCOVER BANK
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Creditor 's representatives gave me incorrect information regarding " filing a dispute ''. If Creditor 's representative did n't mislead me, I would not have a balance on the account. I would have disputed a {$5000.00} charge and it would n't be on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: DISCOVER BANK
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
For the past several months, I have contacted Discover card via online chat, disputing the fact that my statement does not provide me with complete or full disclosure as to how my payments, including additional payments, are being applied towards my account. It also does not provide ACTUAL current balances still owed, as well as when my promotional interest free period expires. I have attempted to get Discover to provide this information on my statement on XXXX several occasions. I am told, this is general industry practice, and they are well within the law. I do not feel that i have TOTAL disclosure, as they do not provide me with the ACTUAL amount that is being applied toward my balances. They give me the formula that they use to generate their interest charge, and i have to figure it out myself. I do not know how much of my additional pmt being made is actually being allocated towards the higher interest balance, they only tell me that it is going down. I guess i am just supposed to believe this? I have asked that my statement provide the actual balances still owed, as well as the breakdown of actual payments made, and where they are applied, to which balance, as well as when promotional period expires. I do not feel I have total disclosure of my billing, since i can not see exactly where my payment is being allocated, other than they tell me that my balance is going down. I should not have to just take their word, it should be provided to me, in my statement, on a monthly basis, so i can see EXACTLY how much i still owe in each balance, both the higher balance, as well as the interest free balance. If this truly is standard industry practice, I believe it is an unfair billing practice, meant to be vague and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: DISCOVER BANK
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The loan was sold by XXXX to Discover, ever since Discover has canceled my autopay eight times, set autopay up to the incorrect checking account three times, input the incorrect addresses ten times, and now has increased my payment amount with no notification and will not change the amount that my autopay is for regardless of four attempts to have it changed. They instead are sending me late notices for {$5.00}, imposing late fees, and reporting late payment to the credit bureaus. 

In my opinion they are committing fraud by refusing to change my autopay amount to the correct amount and instead trying to collect fees. There is no way for me to change the amount myself, it is something they need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: DISCOVER BANK
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
SEE ATTACHED FILE ... .CALLED BANK ( DISCOVER ONLINE BANKING ) TO INITIATE A DEBIT CARD CHARGEBACK BECAUSE MERCHANT IS REFUSING TO GIVE ME A REFUND, AS STATED IN THEIR POLICY. 
CONTACTED XXXX  AND FILED COMPLAINT ON XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX, checked my credit XX/XX/XXXX of XXXX and realized that my student loans were reporting 5 late payments each in XXXX. I don't understand how that is possible when they have been deferred properly since I finished school. According to FCRA 15 USC 1681 ( a ) my report is inaccurate and unfairly being reported. The credit bureaus are in violation of my rights

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 2015-07-20
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PNC bank violated Bulletin XXXX-XXXXRefused information to children and estate of deceased borrowerFailed to provide children witho Standing of the mortgage loan as current or delinquent. 
o Eligibility of the successor in interest to continue making payments on themortgage loan. 
o Whether a trial modification or other loss mitigation option was in place at the time of the borrower 's death. 
o Whether there is a pending or planned foreclosure proceeding. 
o Eligibility of the successor in interest for loss mitigation options. 
o Eligibility of the successor in interest to assume the mortgage loan, with or without a simultaneous loan modification or other loss mitigation option. 

Told children that PNC would NOT discuss the mortgage at all and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: PNC Bank N.A.
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
PNC claims they have no mortgage lien against my property located at XXXX XXXX XXXX XXXX ID. XXXX has noted after 2 years of me arguing with them that PNC claims they do not own this loan. I have tried to correct this info on my credit report through XXXX which states they sold the loan to some other party yet they still hold a lien on the property and never released themselves from title. 
This is the account I am complaining about as directly copied and pasted from my credit report. 

XXXX - XXXX Report Number : XXXX Online Credit Report from XXXX for : XXXX XXXX Report date : XXXX XXXX, 2016 PNC BANK , N.A . 
Address : XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification XXXX Status : Closed. 
Date Opened:XXXX Reported Since:XXXX Date of Status:XXXX Last Reported:XXXX Type : Home Equity Terms : NA Monthly Payment : {$88.00} Responsibility : Individual Credit Limit/Original Amount : {$120000.00} High Balance : {$120000.00} Recent Balance : {$0.00} Recent Payment : {$420.00} Comment : Purchased by another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : An XXXX XXXX XXXX # XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX. Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX  XXXX XXXX XXXX : XX/XX/XXXX Furnisher : 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 non-monetary relief
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I disputed a repo with the credit bureaus and XXXX of them XXXX and XXXX removed the item and TransUnion is still reporting this information. Not only without my consent also they are obligated to remove any items that are removed by XXXX and XXXX. I called and they did nothing. I wrote to them and they did nothing.

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 2021-11-24
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The negative items are constantly reporting on my Credit Report. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off : XXXX XXXX XXXXXXXX {$2600.00} XXXX {$2600.00} XXXX XXXX {$860.00} Date opened : XX/XX/XXXX XXXX  XXXX {$460.00} Date opened : XX/XX/XXXX XXXX {$1000.00} XXXX {$9200.00} Late Close : XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On  XXXX   XXXX ,  XXXX  I entered into a 24 month lease for a new  XXXX   XXXX   XXXX  with creditor  XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ).  Note, that the contract did not asses s a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent 23 lease payments were paid in one lump sum, totaling {$2400.00}, and was receive d by  XXXX  on  XXXX / XXXX / XXXX  ( see attached   XXXX    statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges as sessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). T he vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX .  XXXX  fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because  XXXX  's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with   XXXX   on  XXXX / XXXX / XXXX  a  XXXX  representative stated that the {$110.00} charge is NOT owed but still on my account because they have not y et received a " signed odometer statement from the dealership. '' Whether or not   XXXX   ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my credit score due to thier fraudulence.

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 2021-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2021 Bank of America informed me they closed my account and would not let me withdrawl the funds. Without notice or cause. 

My XXXX goes to this account and we could not stop the funds in time for the XX/XX/2021 payment date. They are stockpiling my money and wont release it. 

I am without food and medicine and I need to have access to my monies at once and stop them from receiving my direct deposit.

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 2015-08-05
Company: PNC Bank N.A.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
My mother obtained a credit line mortgage with PNC bank, I 'm not sure about the details because I 've requested the terms of the loan several times, but it 's not legible. I 've made payments based on advice from the estate attorney, until a couple of years ago because I can no longer afford to make the payments. I 'm was the executor of the estate and filed all the paperwork to PNC and five years after my mother 's death they are harassing me about the payments on a house they 've now placed in foreclosure. 

I 've made an offer on the house a couple of times and have n't heard back from PNC on, my offer, but are receiving constant calls about the back payments. 

My mother 's house had been paid off for several years, and even though I can not prove this I believe she was misinformed and obtained this credit line under distress because she was very ill at the time. In addition, I find it very hard to believe there was no insurance on this loan when she had insurance to cover every credit card that had a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the following Inquiries and need to remove Completed from my Credit Report. 
XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Sortis Financial, Inc.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, I paid ClearSpring Financial to clear a lien and release a mortgage on my home. It has been approximately 90 days and there is still a lien on my home. I am under the understanding, in the State of Michigan, they have 60 days to clear this matter. They are failing to perform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: CA
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 xxxx xxxxxx the natural person who is currently of age of majority would like to validate the information listed above is accurate and herby would like to address several violations that have occurred between the creditor and Experian in violation 15 U. S. C 1681c Requirements relating to information contained in consumer reports States Information excluded from consumer reports except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Fact, ( 1 ) Cases under title 11 of the United States Code or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

Facts, 15 U.S.C 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission pf a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a debt- Fact, The Fair Debt Collection Practice was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors.

I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report due to Experian has willfully violated several of my rights I am requesting for all related information to be removed. 

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report Chapter XXXX Bankruptcy XXXX XXXX : xxxxxxxxxxx Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Was not properly contacted when my mortgage company sold my mortgage to another company. The contact information my prior company provided was incorrect or the new company recorded it incorrectly. The transfer happened on XX/XX/2016 and I found out that it had changed when a 60 day late payment appeared on my credit report. I had direct withdrawl with my previous company and assumed that the money was coming out automatically like it had for the last 8 years of my mortgage. I do n't think I was properly notified and have a 8 ( almost 9 ) year track record with my mortgage and now no creditor will touch me because I have a 60 day notice on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: PNC Bank N.A.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance in saving my home from foreclosure with my servicer PNC Mortgage. I was denied for a loan modification and was offered instead to short sell my home. I hired an attorney / real estate broker to handle my paperwork and sale of my home. On XXXX XXXX, 2016 I was denied for assistance. My denial letter ( Attached ) states I can appeal my denial by XXXX XXXX, 2016. However my servicer PNC has set a sale date on my home for XXXX XXXX, 2016 and they state they will not extend that sale date. My attorney email 'd an appeal to that denial on XXXX XXXX, 2016 and PNC has not yet replied to that appeal. My attorney spoke with PNC advising them that they would be violating RESPA XXXX XXXX XXXX XXXX ) by continuing with the sale of my home while my appeal period was still in effect. I have this offer in writing ( see attached denial letter ). I simply want PNC to give me the opportunity offered to me both in writing in their denial letter as well as is offered by RESPA XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions 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:
I applied for a loan at XXXX XXXX XXXX today XX/XX/2020 and I was not approved because apparently there are many accounts in negative standing appearing on my credit history. I looked through each account and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information. I do not have any relationship with any of these companies nor do I have a contract or agreement with any of them. I did not benefit anything at all from these accounts and I did not take part in any purchases or payments made towards these accounts. I have already notified these companies as well as filed a police report regarding this suspicious activity on my credit.

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