BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PNC, like many financial institutions, allows for transfers between accounts to pay loans and credit cards held with them. My most recent payment to my credit card with them, using this transfer feature in their mobile app, was on XX/XX/27. Today is XXXX, and while the balance on the card reflects the payment made, the transfer has still not hit my checking account with them. Taking more than XXXX business days to process a payment is excessive. 

Similarly, I have an auto loan setup with them on autopay. This does not display in the app. Rather than taking the paymeny for the loan on the due date ( again, even when the due date is a business day ), there are delays in the payment made and no way to confirm it has been done in the app. When I asked customer service about this, they confirmed this is by design. 

For people who only have access to the internet through the mobile app, these systemic delays and lack of transparency surrounding pending items undoubtedly lead to people thinking payments have already gone out and making purchases based on balances that should reflect pending payments to PNC products, but do not. I have no faith that this is anything but intentional and would like PNC to process payments made to internal loans and credit cards within XXXX business days at most.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account ( s ) # XXXX, XXXX, XXXX, and 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 : 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 non-monetary relief
Consumer complaint received 2020-04-07
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please connect to claim on XX/XX/18 number XXXX I called today after not hearing from the company since last week. I received a call last week and haven't heard from them since after being promised a return call within a few days. I called the number given and extension but it went to a fast busy. I then dialed the number again and requested the person whom I spoke with last week. I was told she wasn't available and I requested a supervisor but was told that wasn't allowed. I also wanted to resolve the matter with their fraud department. I was told by XXXX operator ID XXXX that I had to send a copy of my driver license front and back. He stated the reason was because a prior incorrect approach to dial my number wasn't completed and therefore that was no longer an option to verify my identity. I was told the account would stay restricted. I am very upset that I can't seem to reach any competent person within this entire organization. It feels as if customer service is not to be expected by me the consumer and certainly not provided. I can be reached at XXXX to discuss further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2023-10-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently deposited a check into my business account for XXXX XXXX XXXX  of approximately {$78000.00} from one of my regular payors. There is absolutely nothing unusual about the check, and it matches all other checks from the same payor that are regularly deposited to the account. 

The bank initially indicated a hold of 1 day, which is reasonable. Today, I receive an alert that the bank has placed an extended hold because they " have information to indicate the check won't be paid. '' I called the XXXX # and the representative confirmed they really don't have any information to indicate it won't be paid, and they actually have the pay out date confirmed from the payor bank. I'm just not understanding why the bank is holding funds from an agency that sends me XXXX XXXX XXXXXXXX of dollars on a monthly basis via checks. The check is dual signed by their CFO, is positive pay protected and comes on a weekly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
To whom this may concern, Sorry the at I did disputed this same issue 2 times on XXXX but due to my English is limited I keep making mistake. Hopefully I filed correct this time. 

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these Account name : XXXX XXXX XX/XX/XXXX. However, they stated everything was complete and accurate But how is that possible if I never authorize a hard inquiry pull on XXXX XXXX. I only authorized a soft pull credit only and never except offer. 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

In addition. Equifax date has been on XX/XX/XXXX. Now I noticed there at least 30 soft inquires showing on my Equifax credit report in 1 months!!! If this problem is not resolve I will hire a lawyer and take it to another level. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: RESIDENTIAL HOME FUNDING CORP.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I filed my initial complaint with the CFPB against Residential Home Funding for loan servicing issues. ( Initial complaint XXXX ) Residential responded to this complaint by way of the attached correspondence of or about XX/XX/2018 indicating a refund was issued in efforts to resolve the matter. 

This was not the case. A refund was never submitted or issues on behalf of this matter by Residential as indicated. In addition, the information contained in the notice indicated a error in the mailing and property address of the correspondence. 

This creates a more issues with our pursuit of a truthful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion, XXXX, and XXXX continue to report inaccurate infromaton for the account listed DEPTEDXXXX  Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-12-30
Company: Chime Financial Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX Chime mailed an unsolicited visa debit card to my home. I had no idea what Chime even was nor did I ever submit a financial application. I immediately contacted Chime at XXXX requested the card be closed and a letter of closure be mailed out. I also requested basic info about the card but was referred to XXXX which sent auto responses unrelated to my requests. I tried corresponding with XXXX unsuccessfully for days. On XX/XX/XXXX I received yet another card in the mail. This one was a visa card and immediately called Chime to report the XXXX card as fraud as well and ask questions on how an additional card would be issued when I just spoke extensively with Chime on XX/XX/XXXX. Chime stated they shut the visa card down and confirmed the debit card was also closed. I requested card closure documentation to be emailed to my attention and I would remain on the phone until email was received, but was told the Chime system would not allow email to go out until we ended the call. I also requested a trouble ticket number and was given # XXXX. No email was ever sent regarding closure. 
Each time I contacted Chime they request personal identifying info such as social security number, name XXXX street address and email before given very vague information regarding the cards created in my name. They would not provide simply info such as when accounts were applied for, how many accounts are open, how much is charged etc Chime is DELIBERATELY CREATING ADDITIONAL FRAUDULENT ACCOUNTS IN MY NAME AFTER VEHEMENTLY REQUESTING THEY CLOSE ALL AND PROVIDE DOCUMENTATION FOR MY RECORDS AND ADDITIONAL REPORTS. At this point I fear more accounts will be opened and additional cards sent out to WHOMEVER is applying. This is identity theft with Chime equally accountable with aiding in this theft by not closing unsolicited accounts upon verifying my identity and upon request. Instead of closing cards Chime continues to propagate the fraud by creating additional accounts. I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I can not accept the presence of public records on my credit report. It is causing significant anxiety and distress, and I implore you to remove them without delay.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you in good health. I am writing to report a serious matter of identity theft that has recently come to my attention. It has come to my knowledge that my ex-husband, has unlawfully stolen my identity and opened fraudulent accounts without my consent or knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am providing this information to you with the intention of taking immediate action to rectify this situation and to investigate the identity theft incident thoroughly. I did not authorize or have any knowledge of these accounts, and I have never conducted any business with the aforementioned institutions or individuals on these accounts. I believe my personal information was used fraudulently to establish these accounts, which is a criminal offense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I would like to know why this company makes it so difficult to get answers. There is no help or message/contact us on their website under our loan. Why? Its like they avoid customers. They are awful to deal with. There is no separate escrow department with staff that deals with only this. They expect anyone to help you who picks up the phone and they are not knowledgeable. 
This is about our escrow shortage. We called in regards to this months ago, late summer or early fall, and spoke with an incompetent rep who had no idea what she was doing. She could not answer specific questions in regard to our escrow shortage, how much it actually is, where it went, are our payments going to go up, etc., etc. We asked for a supervisor and she left us on hold over XXXX minutes and then eventually disconnected the call. We were so frustrated we never called back. The reason we even called was in response to a letter we received, that i had a shortage of well over XXXX. 
When we entered into our forebearance during the pandemic we specifically discussed our concerns with escrow shortages. We were told everything was going to be put at the end of the loan and our payments would not go up. Then when we were ready to go back to paying that was not the case. They tried to not only raise our payments but also raise our interest rate! We had a huge battle, causing us to delay going back to payment for at least another XXXX months. It was a nightmare. Now we have a big escrow shortage. We want to know where this came from, we want it broken down. Why so much? Our taxes are not that high in XXXX. We were told our payments were not going to go up as a result of the shortage the last time we called but we frankly don't believe it. How could it not? That is impossible. Even if its not, fine, its still being added onto our loan. It never seems to go down. It was showing XXXX for over XXXX years now. We are not catching up. We want this explained to us, in detail.

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 2020-04-07
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper Home loans only has two options for covid-19 forbearance programs, both of which are setting all of us up to fail. One is a 90 day deferment with a balloon payment on day 91. Two is they decide how to divide up my 90 day amount and deck it onto my monthly payments. I would like to tack the 90 days at the tail end of my 30 year mortgage, but that is not an option with them. They are backed by XXXX XXXX and XXXX XXXX. I told them I lost my job due to covid-19, I was furloughed until XX/XX/XXXX then the company will revisit the situation before we can go back to work. Unemployment is giving me less than half of what I made and I am unable to contact anyone in the office. South Carolina unemployment has either a recording on coming the caller that they must call back at a later time or it is a busy signal.

Company response to consumer: Closed with explanation