BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid off a loan XX/XX/XXXX, {$2600.00}. The loan dropped off my FTB app, and I got a letter confirming the loan was paid off. XX/XX/XXXX an autopayment sent from my bank by mistake, {$300.00}. FTB confirmed over chat that my account was closed and they would return my {$300.00}. I received only {$290.00}. When I asked why, they first told me the {$2600.00} had been refunded, I accrued interest, then I repaid {$2600.00}. I said they never refunded {$2600.00}, and I never repaid it later. Then they admitted what they said wasn't true, instead saying that I hadn't originally paid the " payoff quote, '' contradicting the previous explanation when they said I had originally paid the correct payoff amount. They also deny sending me the letter and confirming XX/XX/XXXX over chat that my account was already closed. They also insist I paid the {$300.00} XX/XX/XXXX, XXXX weeks before I sent it. They wrongly took my money, and they have changed their story multiple times instead of returning it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I received a notice from XXXX XXXX increasing my Credit Card APR for not making a payment for the last 60 days. I was also reported to the credit bureau 60 days late. I have spotless credit and have worked hard to keep it that way. I just refinanced my auto loan with Bank of America. I need you to look into the matter concerning the recurring bill pay for XX/XX/XXXX that was not paid and the payment in XX/XX/XXXX that was cancelled ( not by me ). Please provide me and XXXX XXXX and explanation and kindly request to XXXX bank they remove the 60 days late as this was not my fault but a glitch in your system.

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 2017-08-14
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX/XXXX/XXXX I was charged two times for camping at XXXX XXXX XXXX XXXX XXXX Ct. Provided paper work to Comenity Capital Bank on XXXX/XXXX/XXXX. I have sent numerous emails to Comenity XXXX XXXX on their " customer care '' web-sight. They have not resolved my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX - XXXX {$1500.00}. I first submitted my complaint to XXXX and Transunion on XX/XX/XXXX asking them to verify this unknown account. XXXX and Transunion both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX  ) if I had additional questions. I contacted XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and Transunion ) and XXXX. How is that possible if they CANT validate with me the consumer but validate with the credit bureau.

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 2021-10-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX bank card has been anightmare. I was in the hospital for a week in XXXX recovering from an XXXX XXXX. I was obviously preoccupied and my autopay used the wrong debit card. My minimum payment was only {$45.00} and I could easily pay that. ( I am a XXXX XXXX XXXX XXXX  making about XXXX a month ). Once I was home from the hospital, I saw the payment got returned. So I immediately logged intoXXXX to pay the {$45.00}. 

I could not login. I found out they closed my account! I had never missed a payment with them or any creditors. This was completely unwarranted. Not only that, but they suspended my account access. Without being able to access my account, I couldn't pay them. 

Then they started calling me 10x a day. I was so scared I kept trying to block them but they'd call me from different area codes. I had to block calls on my phone completely. I've missed so many important calls from friends and family because of this. This has gone on for 4 months. 

They now marked me 120 days late so far on mycreditreport. I've never missed a payment from any of my creditors before. Mycreditscore is lowered because of mycreditutilization, but my payment history was always 100 % for my entire 10-year credit history. I have 383/383 on time payments since XXXX ( age XXXX ) to now ( age XXXX ). Now my payment history is ruined over {$45.00} dollars a month and I still can't access my account to pay them. 

Update : A full 4 months later they restored my account access and I made a payment today which will be reflected shortly. 
I now want my credit report updated to show that I never made any late payments considering this was not my fault and there was nothing I could do. I also want all fees and penalties removed from this ordeal. I will only pay the balance that I owed in XX/XX/XXXX before my account was blocked. I am now in contact with a lawyer.

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 2021-10-11
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened a new business account with PNC Bank on XXXX XXXX, 2016 and then chose to enroll in their Merchant Services ( contract was signed XXXX XXXX, 2016 ). At the time of enrolling I was informed by their representative ( XXXX XXXX ) of the cost the fees to use the hardware for the term of my 4 year lease ( $ XXXX/month with ownership of device at the end of the term ) but was not informed about the potential for further monthly fees for using the associated software on the device. I was intending on replacing my current XXXX service with the XXXX station but was not informed that to make the XXXX function as my XXXX, I would need to purchase an additional software bundle that would cost me an additional {$29.00} a month for the lifetime of using the unit. Had I been fully informed about the potential for these additional fees I would not have signed the contract as it would not have been a sound business decision for me at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Account : XXXX XXXX/XXXX XXXX XXXX Fraudulent Inquiry : XXXX XXXX XXXX XXXX XXXX block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

THIS IS NOT A REQUEST FOR A DISPUTE Enclosed are the following : A copy of my Identity Theft Police Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2021-10-11
Company: Experian Information Solutions Inc.
State: TX
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:
This account does not belong to me, please block and remove under 15 USC 1681c-2.

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 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This account does not belong to me, please block and remove under 15 USC 1681c-2.

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 2016-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Approximately six weeks ago, I applied for a home refinance with Bank of America that required a fee of {$470.00} to conduct an appraisal. At the time, i was told that the fee would not be collected until the appraisal was done. My refinance was not approved and the appraisal was never done. In fact, the order with the appraisal company was cancelled. I made three written requests to my loan officer to get a refund of my appraisal fee during a period of two weeks, and there was no response to my request. I have an email from my loan officer promising a refund if the appraisal is not done, but he has subsequently ignored my requests for the refund. 

The purpose of my claim is to get the promised refund of {$470.00} for the appraisal that was never done. 

Attached are XXXX supporting documents. The first is the set of disclosures for the loan. The second and mroe relevant document is a diary of all of the emails between me and my loan officer that show my numerous unanswered requests for a refund of the appraisal fee, the pormise from the loan officer that I would get a refund if the appraisal was not done, and the acknowledgement that the appraisal was not done.

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 2017-08-14
Company: EQUIFAX, INC.
State: IL
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 been the victim of id theft. I have sent all three credit reporting agencies a copy of the police report and the ftc id theft report that was notarized. i have disputed a total of three items that were not mine with the agencies ( XXXX, XXXX XXXX and XXXX XXXX XXXX ). XXXX and XXXX have investigated and deleted all three from each report as they found it to be fraud. equifax continues to fraudulently list these as verified by my name and social ( again ... i was the victim of id theft ) and continue to blatantly commit deformation of character as they say they are accurate. how can this agency find this to be accurate while both their peers have deleted these from my reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Exeter Finance Corp.
State: FL
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:
I, XXXX XXXX, entered into a consumer credit transaction with EXETER FINANCE LLC on XXXX I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605. EXETER FINANCE LLC then took my credit and got a loan and begin to violate 15 USC 1692e because they falsely represent the status of debt. EXETER FINANCE LLC received a Cease & Desist on XX/XX/XXXX and continued to communicate directly and indirectly after that date violating 15 USC 1692c ( c ). EXETER FINANCE LLC is violated 15 USC 1605a finance charge does not include charges of a type payable in comparable cash transaction.

EXETER FINANCE LLC also violated 15 USC 1692f ( 6 ) when they to non judicial action and dispossession the property on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see my previous complaint XXXX. I have attached the letter I received from American Pacific Mortgage. As I stated before, they do not read what they send out. They state that my current home value is {$820000.00} ( low estimate because the home directly behind me just sold for {$900000.00} ). They say I need to pay {$60000.00} to get my LTV ratio to 80 %. Last I checked the principal I owe ( around {>= $1,000,000} ) divided by their new estimate {$820000.00} ( again low ) is 80 %. This company cant even do basic math. Please investigate them for failure to do their job, incompetence, stealing from clients, and conflict of interest. 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 2021-10-11
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: Account status incorrect

Complaint:
I have been dealing with XXXX and TransUnion regarding late payments reporting falsely on my credit report. They keep giving me generic responses. However I have provided them PROOF that it was on time. XXXX told me they can't fix it on their end and I had to talk to the bureaus. It's just the run around. This is harming me. And it's falsely reporting. My payments have always been on time.

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 2021-10-11
Company: Afterpay US Services, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a federally protected consumer speaking on behalf of myself of the events that occurred. On XX/XX/2021 I reached out to via email Afterpay and requested all previous or current loan applications that are on my file. On XX/XX/2021 I received an email from the Afterpay Team that they do not provide a statement of account ( see attached screenshot ). If they are unable to verify any past, current or future loans, these loans are therefore invalid. Any payments that I made in the past did not pay a debt. Where did the payments go if I did not receive any loans? If a debt collector can not provide validation of the alleged debt, it is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I began to receive calls at XXXX. When I pick up there is no one on the other line. I called back today from my office phone and was greeted by a lady named Sue. I did n't get her last name. The conversation was cordial at first. She told me she was calling for XXXX and she wanted to collect on a debt. She asked me if it was ok for them to continue to call me on my cell. I told her not if they are going to be continuously calling me. She told me that if I " knew how to pay my bills, I would n't have them calling. '' I hung up on her called back and spoke to a supervisor. He came to her aid and said that she has been working for the company for a while and they have never had a problem like that with her before. She was very nasty and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last month a company by the name of Central Financial Control posted on my credit report that I was sent to Collections by XXXX XXXX XXXX XXXX. Their information also states that the outstanding amount was paid and the matter closed in 2014. I think think this behavior is unfair, as it is dishonest, because not only do I not remember the details of the matter to adequately defend myself, but this report was made two years after resolution and came at a time when I was in the process of purchasing a home. This action has negatively impacted this process as my credit score fell by XXXX points and the financial institution is reluctant to move forward.

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 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I HAVE REQUESTED MY FREE ANNUAL CREDIT REPORT 3 TIMES AND I HAVE NOT RECEIVED IT YET.

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 2015-04-11
Company: PNC Bank N.A.
State: AL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My mother and I were on a CD together at PNC Bank. She unexpectedly passed away in XXXX XX/XX/XXXX. I let the CD roll when it came due in XXXX XX/XX/XXXX since I was unprepared to deal with that after her recent passing. In XXXX of XX/XX/XXXX, as I was trying to close my mom 's estate, I went to the PNC Bank branch in XXXX XXXX, Alabama and provided all necessary documentation to remove her name from the CD. In the course of removing her name, I was then charged a fee of {$40.00} as a " early withdrawal penalty ''. I was told at the time that this was necessary and could not be waived even though I was leaving the funds on deposit with PNC Bank and remaining as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC ( acct. # XXXX ) is my first mortgage and XXXX XXXX XXXX XXXX XXXXXXXX ( acct. # XXXX ) is my second mortgage. 

I am in significant hardship due to Covid-19. I'm trying to sell the house because I can no longer pay both mortgages. I have repeatedly filed hardship letters to both companies and they continue to misplace my request for a short sale. They are continuously losing my personal documents and then closing my cases. 

I filed everything by fax ( XX/XX/XXXX ) from a PNC branch for a hardship/short sale. It was over 100 pages with my loan number on every page. I was then told more documents were needed. So on XX/XX/XXXX, I emailed additional documents to PNC XXXX XXXX and now I'm told my request for a short sale has been closed? WHY? 

I have had the 2nd loan since 2007. And just learn that a XXXX loan will not be paid off until XXXX at 11.5 %. INn the past I tried to refinance and was told I couldn't. To date I have paid {$54000.00} on a {$31000.00} loan. And have been stuck with it. The investor on that loan is XXXX XXXXXXXX XXXX XXXXXXXX. That loan has been sold many times as well. 

I have a buyer who has patiently been waiting. PNC and XXXX XXXX has copies of the settlement HUD. 

I have called PNC and XXXX XXXX several times..and each time I spoke with a different representative and was told different scenarios. 


I was told things were missing from the XX/XX/XXXX fax... but was recovered when I complained. 

I am in dire default of my loan because of Covid-19. And facing significant hardship. 

I am trying to sell the house and PNC snd XXXX XXXX representatives are very misleading in my case. 

As to PNC : I need someone to explain why I'm {$51000.00} in behind payments? My principal amount prior to default was approximately {$210000.00}. My payments were approximately XXXX which was interest and principal. So being in default ... shouldn't interest be the only thing ongoing? I now owe approximately {$260000.00}? Please explain how in 25 months of default im getting hit with my principal on top of interest. 

In any case, I need this all clarified and resolved ... as I am trying to sell it. I need a recalculation of what is owed and a short sale. As the settlement is XX/XX/XXXX and IRS had liens on the house too. They are releasing the liens for only 30 days. XX/XX/XXXX to XX/XX/XXXX. 

Again, I applied for both short sales on XXXX

Company response to consumer: Closed with explanation