BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-11
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had to drop XXXX of XXXX classes at XXXX due to the death of my grandpa ( whom I took care of ). The one I did n't drop was an online class. XXXX did charged me the full amt for the XXXX classes, which I disputed but ultimately paid. Apparently Penn Credit was provided the information to attempt to collect this debt for a commission while I was in dispute proceedings with the school automatically since the debt aged and automatically was provided. I paid XXXX directly the amount owed, and I porovided proof to Penn Credit a couple years ago. However Penn Credit is now attempting to charge me for {$70.00} worth of fees, and have not been able to provide any documentation or proof of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2016-03-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Yesterday, XXXX XXXX, XXXX, I received a prescreened loan letter from OneMain informing me that I was prescreened for a {$6000.00} loan and that all I needed to do is to respond. Last night I responded at the website address listed on the prescreen letter, that is, OneMainFinancial.com/applynow, and filled out the application. This morning I received a phone call from a representative from the local OneMain branch, phone number XXXX. I answered all of the question including whether I had ever filed for bankruptcy. The gentleman than informed me that my full credit report was required to be pulled and that it was not a big deal because my credit report has been already accessed. The gentleman insisted that I was not pre-qualified just because the letter says that I was prescreened. The gentleman than stated that I could not be pre-qualified unless my full credit report is accessed. I reiterated the fact that under the FCRA a prescreened offer must be a firm offer and that I should have already been deemed to have met the OneMain creditworthiness criteria. He then transferred me to the branch manager, XXXX XXXX, who informed me that my credit report was not accessed. I asked what information did OneMain require to pre-qualify me. XXXX XXXX failed to answer my question and informed me that I was denied credit based on my conversation with the representative. I hung up and then received a phone call from the district manager, XXXX XXXX or XXXX. The district manager informed me to call the local branch again and restart the application process. I contacted XXXX XXXX and she informed me thew district manager would be contacting me. I was not contacted by the district manager so I called the number in my caller id. The district manager was not available but the gentleman that answered the phone conveyed a message from the district manager to the effect that I was denied credit because I said that I had a bankruptcy in XX/XX/XXXX. This ordeal constitutes harassment because I was led to believe that I was prescreend thus pre-qualified for the {$6000.00} loan. I do not know at this point t if OneMain pulled my full credit report or who performed the prescreening with an unknown credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We have experienced an issue with someone having obtained and used our social security numbers to open bank accounts and apply for credit cards. Accordingly, we have filed a police report and notified the credit agencies and initiated fraud alerts. Most creditors have acknowledged the fraud alerts and contacted us before any charges could be made and promptly closed the accounts, or ceased processing. Unfortunately, Fifth Third Bank seems to be the most lax in verifying identities and resolving disputes. They had allowed a checking account to be opened with a token balance and immediate overdraft without contacting us and now seemingly have approved another account ( XXXX ) in our name that we did not apply for. Their fraud department is very difficult to deal with and we find it very troubling that they would allow a second account to be processed after the first event where a checking account was fraudulently opened for {$63.00} and they gave the imposter XXXX initial blank check which they promptly used to overdraw that account. We were able to close out that checking account weeks ago and received verification from Fifth Third just about XXXX days ago that it was investigated and resolved and that we had no liability. However, today we received yet another notice from Fifth Third of a XXXX Account opening and notice of change of home phone number, which again was done fraudulently and with out notice despite having experienced the prior fraud issue. We believe that Fifth Third is not doing their job in verifying identity as required by Federal law and are not being cooperative in preventing the opening of fraudulent accounts or resolving those disputes effectively. After experiencing their weak efforts and response to our identity theft issue I would never voluntarily deal with them for any banking services and would recommend others to think twice before doing so as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a lien through Fifth Third bank on my vehicle. I paid the lien off on XXXX XXXX, 2016 and it is now XXXX XXXX. I have called for the past two weeks to have them fax a document over to VA DMV with the notice that my lien has been paid in full and to release the title so that I can transfer it over to the new buyer. I have explained to 53rd that I do not need the actual title and just a lien release statement. To this day they have still refused to fax anything over. They have also told me on several occasions they are faxing the docuemtnation over. Each time this has happened they have not actually faxed anything to DMV. I have requested to speak with a supervisor, but only been told no one can come to the phone to help me out and just left on hold. 

The letter that was sent to DMV was a notice acknowledging they have received my wire transfer and the loan has been paid off. However it did not include my VIN # or the vehicle. They keep telling me the transfer is still being processed and I must wait 10 full business days before my lien is released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, our account was transferred to Rushmore Loan Management Services while it was in a 9-mth Forbearance period which commenced in XX/XX/XXXX and ended in XX/XX/XXXX. In the interim of being transferred to Rushmore, we were informed that we could apply for our Loan Modification towards the end of our Forbearance period and did so in XX/XX/XXXX to complete the paperwork and commence the Loan Modification process. During this period, our Credit Reports should not have been negatively impacted because we were experiencing extenuating medical and financial circumstances and our loan was in Forbearance from XXXX through XX/XX/XXXX and later in the Loan Modification process from XXXX - XX/XX/XXXX because Rushmore took a longer period of time to process the paperwork as well and were being discriminated against during the process as well, as opposed to other XXXX  clients whose credit reports were not negatively impacted. Rushmore discriminates against XXXX XXXX and U.S. Veterans and charges higher interest rates when completing a loan modification package, as compared to XXXX  consumers whom they service loans for as well. They negatively impacted our credit which is causing extreme difficulty to obtain a VA IRRL to reduce our high interest rates which they are currently charging us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: BB&T CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan with Regional Acceptance Corporation that I opened in XXXX. I have been paying on this loan for more than 5 years giving them almost XXXX a month. The loan amount was {$16000.00} and they are telling me because of interest and late fees that I still owe them over {$10000.00}. As of last month, I have paid them a total of about {$22000.00}, so they are telling me that I have given them {$16000.00} in late fees and interest. When I purchased this car I felt like I was being pressured and plowed down by XXXX people in an office at XXXX XXXX in XXXX XXXX FL and they found this finance company for me. I am scared they are going to reposses my car which by the way was not even new it was a XXXX when I bought it and only worth about {$12000.00}. I have been struggling to pay for this car since the beginning and I have been taken advantage of to the extreme. I do n't want this on my credit so I continue to pay for it. I feel like I was open prey and that this is very very unfair practice. They have no reason to continue making me pay for this car. They already got the entire sum plus more! Please someone help me. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My account with US DIRECT EXPRESS has been repeatedly locked for unjust reasons. I am asked to send original in color personal documents over and over to a unsecured email address supposedly to verify my identity. This account was referred by the US Treasury Department who has a government contract with this company my identification shouldn't be in question and I've provided requested documents over and over and issue with having hold released from my account in turn giving me access to my Government Benefits that have been deposited by US Treasury Department to this card they refer us recipients to have been denied. This has been ongoing problems with this company putting some of the most vulnerable citizens in distress over funds not being made available either by holding them are them being fraudulently taken from the account. This is my only income and I am XXXX I need to have this issue resolved with US DIRECT EXPRESS but no cooperation on their behalf. Wait times for customer service are grueling and even then told the same thing send documents that I am continuing to send verifying identity and no action being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Bridgecrest Acceptance Corporation
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: Account status incorrect

Complaint:
In XXXX and XXXX of 2022, Bridgecrest was notified that I was refinancing my car loan. On the day that I received an email that Bridgecrest would be reporting a delinquency to the credit bureau, I learned that the pay-off check from my new loan servicer, XXXX XXXX XXXX , had been lost in the mail. Upon calling Bridgecrest and after speaking with two supervisors the only solution that I was continuously provided was that I had to make a payment. While I did make two payments, one to each loan servicer, I explained to Bridgecrest that because I am already making monthly payments to XXXX XXXX XXXX I could not also make a monthly payment to them for the same vehicle. Because the only solution to not reporting me as delinquent to the credit bureau was to make two car payments each month, this appears to be an inequitable, predatory, and unfair approach to dealing with customers who want to resolve a matter that is beyond their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Avant Credit Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Obtain the loan from Avant on XX/XX/XXXX for {$6900.00} with payments being made thru ACH beginning XX/XX/XXXX. I contacted Avant and requested that my due date be change to the XXXX of each month as soon as I received the payment schedule. I asked if there would be a problem and was told no. I paid the off the loan with the final {$270.00} being deducted on XX/XX/XXXX. When I checked on line last week, it showed my balance as XXXX. Then I received an email, showing the XXXX balance but stating to contact them because I still owed additional monies. I called and spoke to an operator who would only give me his first name, XXXX. I explained why I was calling and expressed my concerns about receiving the notice. He explained that when I moved my due date, they charged me {$100.00}. I asked why wasn't that explained to me and was told it's in the contract. I replied, you mean for adjusting my due date for 5 days you charged me and no one pointed that out to me when I made the request? He replied it's in the contract. I was totally upset at that point and let him know that doesn't make any sense and send me something in writing. On XXXX I received an email from Avant Resolutions stating that I now owe {$140.00} and interest will continue to accrue on my unpaid principle balance. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Atlanticus Services Corporation
State: AZ
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:
References : XXXX & XXXX Fortiva has continually missed the bar when it comes to keeping the reporting correct on my credit report. on XX/XX/XXXX XXXX XXXX assisted me in getting a trade line corrected and re-placed as it was deleted in error. 

I just noticed that at sometime the corrections have been MODIFIED without my knowledge possibly costing me a good score for a recent attempt for a motor vehicle loan months in question are in the year XXXX ( XXXX, XXXX, XXXX ) they were covered in the complaint ending in XXXX 

This account should be listed as PAID NEVER LATE.

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 2022-03-25
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Other fee

Complaint:
Bank of America XXXX was closed out by Bank of America. XXXX has charged a {$75.00} annual fee the month prior to deciding to close out my account. I have requested that BAC reverse off the annual fee which they are refusing to do so. 

I have talked to XXXX area on this account and reversing off the annual fee. I 'm being told that they will not reverse off the annual fee nor provide the agreed upon benefits for the card since they closed out the account and it has a balance on it. 

Bank of America is assessing me an annual fee that would provide benefit of new mileage points, discounted companion fee and free checked bags on XXXX. Since this account is close none of those benefits are provided. 

I requested that they product change to a no fee card. Once again this was refused. 

I have to question the legality and ethical behavior behind charging an annual fee on a card and not providing the benefits associated with that card. 

The last contact I had from a supervisor XXXX XXXX XXXX is that they have a contractual agreement with XXXX to charge the fee even when the account is closed. 

All my requests to have this escalated up to a XXXX level at Bank of America have also been stonewalled by representatives. It would appear that the institution is doing their best to not have the customer talk to individuals who can actually make an informed decision.

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 2018-05-30
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have communicated with this organization numerous times demanding to see the proof this contract was opened by myself, to which Citibank has responded with a list of purchases, payments, and balance owed, as well as the opening of the said account, all of which I did not perform, written, online, or otherwise. 

I filed a complaint here with CFPB on XX/XX/2018 in this regard, and Citibank replied falsely stating they sent me proof of the account. As I never opened an account with Citibank, nor agreed to any contract with such organization, I owe them nothing except a complaint here on this forum, as well as a possible suit for fraud. 

I demand the debt said to be owed to Citibank by myself be removed as it is not mine, and for an investigation to be started in regards to my sensitive information being stolen by Citibank as it was clearly not authorized by me, and any derogatory information relayed to credit reporting agencies to be removed/redacted as I never opened this contract or account with Citibank.

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 2020-03-16
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$20000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am current with the payments, I havent missed any payments, and I currently own and am driving this vehicle. This account is being coded as a charge-off. This coding is wrong. This account is in good standing and needs to be reporting accurate information. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to fix this coding issue, but I have not been successful.

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 2022-03-25
Company: Experian Information Solutions Inc.
State: AZ
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:
References : XXXX & XXXX XXXX has continually missed the bar when it comes to keeping the reporting correct on my credit report. on XX/XX/XXXX XXXX XXXX assisted me in getting a trade line corrected and re-placed as it was deleted in error. 

I just noticed that at sometime the corrections have been MODIFIED without my knowledge possibly costing me a good score for a recent attempt for a motor vehicle loan months in question are in the year XXXX ( XXXX, XXXX, XXXX ) they were covered in the complaint ending in XXXX 

This account should be listed as PAID NEVER LATE.

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