BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-31
Company: BMW Financial Services NA, LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
BMW Financial Services, XXXX refinance department told me that they would refinance my balloon payment that is now due with them as long as I had a cosigner. I have a cosigner that was more than qualified credit-wise and employment wise and XXXX is still saying that this is not enough. He made a discriminatory comment about my relationship status and questioned my relationship to the cosigner. Prior to today, he told me that he would approve the refinancing of my balloon payment on this same vehicle with a cosigner. At no time did he put a stipulation on the relationship of the cosigner by saying like he did today that we had to have " lived in the same household '' at some point. Then, he proceeds to say that it probably will not be approved because of the " relationship status '' but he would note the account. I am wondering at this point what is he noting on my account? 
I purchased this vehicle brand new XX/XX/2011 at no time was my race an issue as it seems to be now. I make the same money, in fact more money than I did when I purchased the vehicle and owe over XXXX less now than what I purchased it for XX/XX/2011. I have never experienced such blatant discriminatory and rude comments and unprofessional treatment from any BMW representative as I have while attempting to keep my vehicle. XXXX XXXX shared with me what I needed to do to refinance this balloon payment on my vehicle and I have more than done so by having the income and a more than qualified cosigner contact the refinance department. XXXX is the representative that I have spoken with about the refinancing of my vehicle XXXX is the one that has taken our applications, and is the one saying that it will probably not be approved before he even finished taking the application over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 
This debt was included in a multistate settlement between Santander consumer and several states attorneys lawsuit including Florida state which its where my debt was issue. I need this account removed asap from my credit reports on all 3 bureaus as which its affecting me to get credit. 
I dont have any contract or written agreement with this debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have tried repeatedly to submit my mortgage payment for electronic funds transfer ( EFT ) to PNC Mortgage. I had done so with the prior bank servicing my mortgage and had no problems accomplishing this. Unlike the prior bank, which allowed you to enroll for EFT online, PNC insisted that you complete the request through paper work. PNC then twice either negligently or intentionally delayed the EFT payment, assessed me late charges as a result of their delayed payments, and initially refused to waive the late payment. This is true even though they had access to my bank account ( as reflected by my bank account records ) and express instructions to make the EFT payment. 
In my history of home ownership, I have never once previously missed a mortgage payment or been assessed a late payment penalty. I believe PNC is acting in bad faith and seeking to impose and collect unnecessary late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently be came informed of the National City Bank settlement, which charged XXXX and XXXX borrowers higher prices on their mortgage loans between XX/XX/XXXX-XX/XX/XXXX. According to the National City Consent Order Administration, I was told today that since my name and address was not listed, therefore, I was not sent a form package to submit by their deadline XXXX XXXX, XXXX. It seems that both National City Mortgage omitted me from their package information distribution settlement ; although I paid 6.75000 % interest in XX/XX/XXXX and in XX/XX/XXXX paid 8.7500 % on a fixed mortgage according to my print outs from their website. During this period, multiple changes of account numbers, multiple payments to National City Mortgage and countless issues. 
All long, PNC Bank, negotiated the acquisition of National City Mortgage purchased in XX/XX/XXXX, but did not reveal itself until XXXX XXXX or XX/XX/XXXX to its ' borrowers. And I am facing Foreclosure under PNC Mortgage with no relieve in XX/XX/XXXX. 
As for the settlement, if the borrowers were not made aware of the settlement by National City Mortgage and PNC Bank was fully aware of this response time frame as well ; why was this information not disclosed to all borrowers. It seems that non-disclosure limited their liabilities to select who they were reimbursing the XXXX settlement. Why was I not informed nor participated in this settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: PNC Bank N.A.
State: ID
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I lost my home to foreclosure. There was a XXXX and XXXX mortgage, both held by PNC ( aka National City Bank ). XXXX mortgages were recorded. 6 months after the foreclosure, I was contacted by PNC as to how I was going to payoff the XXXX mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX 's for XXXX the XXXX and XXXX and filed them with my XX/XX/XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XX/XX/XXXX XXXX XXXX contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as XXXX XXXX, XXXX reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from XXXX a XXXX Mortgage Discharge for this XXXX mortgage that was XXXX in XXXX. I 've heard and read multiple places of this criminal activities by XXXX XXXX which has been closed down by the Feds, and now is XXXX XXXX doing exactly the same criminal things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent notarized letters via certified mail to the companies in question. I have proof of acceptance from all three companies. In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # XXXX have 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 : Also states, a consumer reporting agency can not furnish an account without my written instructions. 

My letters have essentially been ignored by XXXX, Trans Union, and 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 2015-08-12
Company: BMW Financial Services NA, LLC
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I am an XXXX service member with XXXX. I have a leased BMW that I 'll be turning in under the SCRA. I am 1-year into my XXXX-year lease and put approximately {$4200.00} down as a down payment. BMW will grant me early termination of the lease but they are refusing to give partial reimbursement of my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: PNC Bank N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been trying to collect an amount owed to me by PNC Bank since XXXX XXXX XXXX. I received a refund from an intuit purchase and they credit it to my old debit card that was drawn from PNC Bank. PNC Bank contacted me via writing ( Exhibit A ) to let me know of the refund and provided a contact XXXX I tried more then ten times calling this number and none of the PNC employees that I spoke to ever forwarded the {$210.00} owed to me. After so many months of frustration I finally sent a letter in writing to a PNC Bank representative at a local branch where I opened my banking account. Her name is XXXX XXXX XXXX. This letter was sent certified mail XXXX XXXX XXXX XXXX XXXX and was delivered on XXXX XXXX XXXX, ( Exhibit B ) To this date I still have not had a response nor has my money been returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I realized in  XXXX  of  2017 th at my interest rate was changed. It is currently 29.9 %. When I opened the account it was in the low teens. I did have one late payment in  XXXX  on this account. I have called the company, they offered to increase credit line and lower future rate, but would do nothing on my current rate. I would like a full accounting of when and reasons why my interest rates were changed since the inception of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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:
XXXX and XX/XX/2020 were said to have been placed upon rear of loan. In addition to this assertion a payment in excess of the normal payment due was remitted and posted within 28 days of due date during the month of XX/XX/2020. With the understanding that no such payment was due this was to be applied to interest. 

The online portal, mobile app and service representatives advised that this was underway. After seeing it reflect negatively on my credit profile I contacted again and was advised this was human error coaching sense provided. 

They also confirmed on a recorded line in excess of 6 times with CRA 's and myself that this was to be corrected and submitted within 1-2 billing cycles. This assertion was the only reason I continued to give this company my business with my new loan since the loan above has long since been paid off. This correction never came and they have cost me over 7 tradelines, thousands of dollars, years of impact for which I intend to seek every remedy available to me. 

Despite countless calls, emails, letters and many assertions for which many witnesses were present now their executive office is backpedaling saying they won't correct and that reps misspoke how is that my concern as the customer???

At no point prior to this time in question have I ever been late, at no point since have I ever been late to include new loan or any of the other 6 paid off autos in the last decade which is easily verified. I have not been late with any creditor and this company has destroyed my families livelihood. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all of these people work for your company some are executives and they advised this was your error.

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 2016-09-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Several years ago I had a Delta Airlines American Express card which I cancelled years ago. Recently American Express ( amex ) sent a new card in my name to my brother 's address that only needed activated. I live in XXXX, my brother lives in XXXX. I NEVER lived at that address. I thought that the card may not have been cancelled like I thought and this was a renewal of the previous account, but the card states member since XXXX, which means it was just opened without my consent. This card is not presented as a pre-approved card requiring application on my part, but rather as a new card only requiring activation. Again, I did not request or apply for any amex cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09
Company: PNC Bank N.A.
State: DE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
XX/XX/XXXX I have an IRA with PNC Bank ( Investments ) in CDs at Acc. # XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX, I received the required minimum distribution ( RMD ) from PNC since certain funds were available in the Acc. as cash. 
XX/XX/XXXX, I received {$9000.00}, from PNC XXXX to the extent cash was available in the Acc. and the rest was in CDs. 
XX/XX/XXXX, I spoke with PNC agent, on phone, at which time I was told XXXX CD has matured a week ago, and the cash is sitting in the Acc. ( at a nominal interest ). 
As soon as I saw PNC statement for the period XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, I tried contacting PNC agent on phone and thru email ; after couple of days we spoke on phone and I reported the issue that 'I have not received the balance RMD due per the statement ( {$23000.00}. ) '. 
After 2 to 3 weeks of phone calls/emails, PNC sent me a check for {$23000.00}. as part RMD for XX/XX/XXXX which I did n't cash it, yet ; and requested PNC to send me a revised Form XXXX for the full amount of RMD. 
On, XX/XX/XXXX, in a phone call, PNC agent declined to issue a revised Form XXXX Thus, PNC is making me liable for IRS penalty of XXXX % on RMD : see what-else PNC did in this matter. And the issue is " who is responsible for the failure in RMD under this situation? '' On XX/XX/XXXX, PNC agent sent me a letter by XXXX which says we " will now consider this matter closed '' and attached a letter dated XX/XX/XXXX which says " If you have satisfied your RMD requirements for this year, no further action is required for this year. If not, you may have to withdraw your RMD by XX/XX/XXXX or you could face an IRS penalty equal to XXXX % of the amount that you fail to take '' I wrote to PNC " I did n't receive this XX/XX/XXXX letter, if you have sent it to me please send me a receipt to verify '' PNC always sends letters thru XXXX, never in US mail. So, PNC could n't provide me proof of delivery of this letter -- because, this letter was never sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Point Up Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I tried to use my debit card at XXXX on XX/XX/XXXX for the amount of {$1000.00}. The transaction was declined due to the wrong pin I used. However, the amount of money has been on hold for more than two weeks. I have tried to contact them twice to get my money back. However, they decline to do anything and ask me to wait until it expires. Two weeks are already way beyond typical temporary hold time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.

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 2022-07-11
Company: Experian Information Solutions Inc.
State: OH
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I sent in my disputes to all three credit bureaus on XX/XX/XXXX. They did not send anything in the mail to me about my disputes. I sent out some more for the same disputes on XX/XX/XXXX letting  them know it has been longer than 30 days and they have to delete my disputes thats on my credit report. 

**This complaint is for my first set of disputes that they have yet to respond to. Please let the credit bureaus know this. I have sent out a second round of dispute but that does not allow them to extend the investigation. That is a violation of the FCRA

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 2015-12-06
Company: PNC Bank N.A.
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
I was offered the PNC Cashbuilder card in a local branch with 0 % interest for 12 months. It was discussed that it so-uld be a good tool to aid me in paying for my upcoming move. I signed up for the card and carried a balance each month. Each month I was not charged interest as expected. Until last month, where I was charged {$20.00} in interest. I contacted PNC and the placed my issue through their escalations department. They ( XXXX ) requested that I show them the paperwork I have. Upon looking at the summary I discovered that it appeared I had been deceived and that the 0 % interest applied only to balance transfers. I explained the issue and my dissatisfaction with being tricked after 8 years of being a customer. XXXX clearly had no concern, and told me there was nothing to be done. I asked if I could close the card, and she obliged and let me know if an {$18.00} credit that would remain and be mailed to me as a check. This credit was NOT a reimbursement of the interest charge, she told me they would not credit the wrongful interest charge. I requested the account closed. Immediately after returning home from work that day I dug deeper into my statements and discovered the lack of prior interest charges despite carrying a balance which suggests that it was a no interest card. I also discovered that I had not been credited the {$120.00} in rewards that I had submitted weeks prior to this event. I immediately called XXXX back and left a message asking her to call me. After not hearing from her that day I emailed her the following day along with XXXX more voicemails on her direct line. It seems I am being taken once again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-21
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
PNC allowed several very fraudulent transactions to occur on my checking account. This includes a check where the payee was whited out, a new payee written, and my initials forged next to the whiteout in a state I no longer resided in. This also includes a telephone ACH payment from a state I no longer reside in. Over the last two weeks, I have been in contact with PNC nearly every day ( either in person, by chat, by email, or by phone ) and they have done nothing to resolve the fraud and get me my money back. I have not been contacted by letter like they have said they would, or by phone, or by email. I have no way of even verifying that they disputed the charges at all. Worse, they put a freeze on my bank account without my consent ( or even informing me ), so despite having thousands of dollars in their bank, my available balance reads {$0.00}. My paycheck got direct deposited into the frozen account and got XXXX out with the rest of my money, and they refuse to allow me access to it, claiming it 's " for my protection ''. They wo n't allow me to access any of my money until the fraud is resolved, but they 're not taking any steps to resolve the fraud, leaving me unable to pay rent, buy food, or pay bills.

Company response to consumer: Closed with explanation