BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/23 I was notified that PNC Bank was questioning {$8400.00} check clearing my account. I called the customer service dept. immediately as directed. This was a fraudulent check that PNC let clear my account EVEN THOUGH THE NAME ON THE CHECK WAS NOT AN AUTHORIZED SIGNER ON THE ACCOUNT. This started XXXX days of misinformation given by both their customer service department and their account takeover department. I had to close the old account, open new account, set up auto credits and debits, buy new checks and notify outstanding check recipient 's of the problem. First I was told by XXXX in customer service that I didn't have to do anything, the money would go back into my account. After thinking about it that didn't sound right which prompted XXXX other calls, XXXX of which gave misinformation, and finally being directed to the account take over department. There, I spent a total of XXXX hours and XXXX minutes on hold XXXX different times getting more misinformation. XXXX told me that all checks would clear, but I would have to call in each time I saw XXXX in the old account and release it. WRONG! That's not what happens. Any outstanding checks bounce! Which caused XXXX of the people I wrote checks to to accrue charges of {$25.00} each from their banks for a returned check. THEN, the money I transferred over from the old to the new account bounced back. After speaking to Account Takeover Dept again was told that the original person that transferred the money missed a step so the money went back. Imagine if checks had been written on the new account-more bounced checks. I have names, dates, times, hold times, everything documented. This whole thing was a nightmare that didn't have to happen if PNC had not let a check clear written my someone not on the original account. I'm out the cost of new checks and XXXX {$25.00} bounced checks that I had to cover. Not to mention a total of XXXX hours and XXXX minutes spent on the phone with XXXX  from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/23 I got a copy of my consumer report and there were some inaccurate items being reported. National Credit adjustments- XXXX and XXXX XXXX. I requested proof of these alleged debts based on 15 USC 1681i ( a ) I never received any correspondence in relations with these accounts. I also noticed that the dates are not matching up with all agencies involved. I have included evidence of these inaccuracies along with this request. If you can verify these accounts then I want a copy of the evidence used to verify these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A place called XXXX XXXX XXXX ran my credit XXXX on XX/XX/2023 and on XX/XX/2023 without my consent. I have never inquired about a car loan from this establishment.

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 2019-04-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, XXXX notifies me of technical difficulties in not reporting to bureaus from XX/XX/XXXX. They also stated that " None of XXXX XXXX 's customers credit was negatively impacted. '' This is not true. My bureaus had not had any payments listed since XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX for an update & request a credit letter because I received a letter from my credit card company ( which was paid off ) stating that they are closing my account " since I don't pay my bills. '' Since XXXX was the only account I had open but not reported, I can only assume it was them. I was told my account was scheduled to be updated by the end of XX/XX/XXXX and that they would fax the credit letter over -- it never came. I called again 3 more times, spoke to supervisors, all to get the same answer. On XX/XX/XXXX, a fax arrived but with someone else 's information. This has been ongoing since. Of all the Bureaus, 2 show my account as " closed '' and 1 is "  open '' and XXXX blames the bureaus. My credit rating has been severely impacted and still is to this day. 

The issue is the comment XXXX has added to the account ; " Chapter XXXX Bankruptcy Dismissed ''. My car was not apart of the bankruptcy and if this information triggers the account to close. When it is removed the accounts is open again. This have been going on for almost a year and a half impacting my credit reports. I finally had to send an e-mail to the CEO of XXXX XXXX with documentation showing that when the information was added to the comments the account became closed and once it was removed it opened again. This worked until they recently updated my bureaus and the remarks were added back in again. My scores look like a EKG reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions Inc.
State: AR
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:
My car broke down and I needed a new car to get to work and back home. I went to the dealership to shop around for a car. Before I could make any purchase I had to get my credit report pulled. While they pulled my report I was told that I would have a high interest rate due to multiple things listed on my report that did not belong to me. Could these items listed below please be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 explanation
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have now gotten XXXX emails in the past XXXX days about credit card accounts opened in my name with Capital One and can't seem to get them to stop, I've called every time to get them to shut the accounts down and I keep seeming to get transferred to someone who " can't hear me '' so I can't get anything resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX ( Washington Mutual Bank ), filed Bankruptcy XXXX, FDIC became Receiver, JP Morgan Chase became Servicer of Loan XXXX until XXXX, whereas they sold servicing rights to XXXX. Per Chase they are not the investors. Per Record of Deeds of XXXX XXXX of Illinois it shows an Assignment of Mortgage ( XXXX, XXXX, as Trustee, in trust for registered Holders of XXXX Asset-Backed Certificates XXXX XXXX XXXX XXXXXXXX XXXX JPMC ( JP Morgan Chase Bank ) is the owner of the account, ) Per Chase Bankruptcy Dept, Chase shows as Investor since XXXX, 1st JP Morgan Chase only became Servicer as of XXXX, They didn't Repurchase Mortgage, after XXXX XXXX Canceled all Securitized Mortgage back BondsXXXX, and making XXXX XXXX  XXXX, the Trustee over Washington Mutual Bank, after reorganization by the XXXX XXXX Team There are no more Bonds only stocks, Because these Bonds were Insured by XXXX XXXX  They then Sued FDIC XXXX JP Morgan Chase Bank , Washington Mutual Bank , whereas they told the court they were affected by the Bonds that was written off by Washington Mutual Bank before XXXX, XXXX XXXX  was awarded over XXXX, finalized XXXX  XXXX But for some reason there remains an Assignment of mortgage Via XXXX XXXX. Trustee for XXXX , ( AKA JPMC ), again I stress there is no Mortgage from JP Morgan Chase Bank , or XXXX XXXX XXXX Trustee, per XXXX, there is no Mortgage on our account, per letter dated XXXX from Executive Office ( Mail Code XXXX ) stating that Note Originated XXXX, and that it was with Washington Mutual Bank XXXX and the FDIC was the Receiver as of XXXX, But Per XXXX mortgage servicer as of XXXX, XXXX, XXXX, as Trustee, in trust for registered Holders of WaMu Asset-Backed Certificates WaMu XXXX XXXX Per Assignment of Mortgage added by JP Morgan Chase Bank- ( JPMC ) added on XXXX XXXX the owner of the account is provided below : Attention : Agency and Trust ( XXXX  XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXXXXXX. 
XXXX XXXX NY XXXX Which was after Washington Mutual Bank Bankruptcy Case ( XXXX ) Making XXXX XXXX XXXX the Trustee over Washington Mutual Bank, after several law suits it was determined that after Washington mutual Bankruptcy since JP Morgan Chase did not Repurchase the Notes, and the ( RMBSL was written off ) that our Account belongs to the Receiver FDIC,, Per document received from JP Morgan Chase Bank on XXXX. There is No Mortgage in XXXX and There is No Mortgage with JP Morgan Bank and there is No Mortgage with XXXX and there is A Mortgage with Washington Mutual Bank. This Assignment of Mortgage that was added to our Records Of Deeds we feel it was either added in error, or without advising Borrower of a change in Investor, or fraudelent, if there is a Change in Investor Please Supply, if Not Please remove Assignment of Mortgage from XXXX XXXX. Trustee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 US code 1681 section 602, it states : I have a right to privacy. Under 15 US code 1681 section 604 ( a-2 ) also states that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, 15 US Code 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. In conclusion, I am exercising my right to privacy, I did not give authorization to report this discrepancy to my credit report thats damaging my credit worthiness, I am requesting that the late payment be removed and my account with upstart report to reflect the update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}

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 2021-01-09
Company: Mortgage Research Center, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX Veterans United Home Loans of Texas didn't approve my VA Loan for a mortgage and home purchase. 
My credit was pulled without my written consent and now my credit scores took a downfall because of recent unauthorized credit pulled on my XXXX, XXXX and XXXX. 
I was Declined or Denied because of Lifetime XXXX and my National XXXX XXXX XXXX XXXX. 
I have applied for a VA Loan in XXXX  and I was declined and Denied and Veterans United Home Loans saved my social security and private information on their data and shared my information with other companies. 
I am XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran.I have explained XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I was able and there should be a accommondations on my XXXX XXXX XXXX XXXX XXXX Department of Justice. 
Both of them didn't respond on my XXXX XXXX as Veterans United has a copy of my California Drivers License and My Lifetime XXXX information and documents from around XX/XX/2019 till Present. 

I respectfully didn't sign no authorization to pull my credit and I didn't authorize verbally neither.

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 2023-09-27
Company: FORD MOTOR CREDIT CO.
State: NY
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:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: FORD MOTOR CREDIT CO.
State: OH
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 currently have a loan with Lincoln Credit, for a XXXX XXXX XXXX. I purchased this vehicle used in XXXX. I got sick and was put on XXXX last year. I struggled to make payments. COVID hit, furthering our financial situation. Ive kept Ford/Lincoln Credit in the loop and they have allowed several extensions. I fell behind again in XXXX ( Missed 2 payments ). I received a 1st class letter from Ford, which was delivered 3 weeks late from the USPS, stating I must make a payment prior to XX/XX/XXXX, or my loan will be transferred? On XX/XX/XXXX, I attempted to make a phone payment, without success, then again online, without success. It seems my account was suspended and would not accept payments. I left spoke to a customer service rep and was told that someone would call me back ( which never happened ). On XX/XX/XXXX, I called again to finally reach someone in the correct department ( after being transferred many times and being on hold for almost an hour ). I was told the loan was charged off on XX/XX/XXXX. I explained my situation ... she originally requested the payoff amount to prevent repossession, however accepted the past due with late fees to prevent repossession. I feel that this is unfair because I was never properly informed that a charge off was upcoming. Due the USPS delays I was not timely notified. Please help!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: U.S. BANCORP
State: IA
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 had an identity theft XX/XX/2020 and my social security card and my ID were sold however I'm not sure if this was the case I lost my job and I lost everything due to that and due to XXXX. I had my purse my bank everything all my information stolen by someone they sold information but I got a settlement after being tonight unemployment and it was a XXXX settlement in the US Bank and I was also getting reoccurring payments every week I had to keep reordering cards and I was telling them that there was XXXX police reports that charges were not being made by me I don't know what these places were delivering to a different address they sent me dispute and then they never responded or they wouldn't send disputes. They never sent a resolution letter I would ask to talk to a supervisor and they would put me on hold they had a fraud department I tried to talk to them I couldn't even get the police to investigate and I had improved like my ID was changed to somebody else 's name and password they wouldn't let me I still to this they don't have a change back I haven't heard back from my last dispute they never sent me a resolution letter from 4 or 5 months ago nobody will call me back and this happened I don't even know how long the first is because I filed was well well over a year or two ago I just want my money back he was honest about what was that on my behalf I kept telling him to switch account numbers my card did not have a chip in it I tried to talk to the Iowa Workforce Development Center I was putting the money into my mind nobody would do anything nobody would return any money I did not get any provisional credits I didn't get any credits it was just closed but it's still open I just don't have anything in it they never they never responded to a dispute nothing I gave up for a little bit just trying here and there one month or so I had ended up losing everything and it was very a kind of set me back a lot it's not so much about the money it's when I had my identity theft through a different bank they said my dispute was fraudulent closed my account and didn't even give me my savings that was in there XXXX XXXX but the bank that I'm having a problem with right now because I also had another account with her child support which was also US Bank ReliaCard and they will not return the funds for that either.

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 2023-03-05
Company: EQUIFAX, INC.
State: PA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have recently received rejected payment adversely affecting my credit score and presenting a defamatory disposition as a paying consumer attempting to stay on top of my credit score.

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 2023-11-07
Company: EQUIFAX, INC.
State: TX
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:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct.

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it remains on the other two reports, namely Equifax and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. Sent letter XX/XX/2023 and never received response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Grant & Weber
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 information incorrect

Complaint:
This collection of {$380.00} doesnt exist and they cant prove any invoice to its affect. Medical can prove all bills paid. They can not. I request this collection to be removed from my credit report IMMEDIATELY! This is causing me tremendous financial burdens. Call both XXXX & Grant & Weber and was told by case mngr ( XXXX XXXX ), XXXX XXXX - XXXX x XXXX, they dont even have such an invoice. They were only going by what their customer, XXXX XXXX XXXX, told them!! This unproven claim should of never been put on my credit report!! Please help me correct this.

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