BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: PNC Bank N.A.
State: MD
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:
I opened an PNC core visa account 2yrs ago. As the no interest terms was ending I spoke to the manager at the XXXX location and asked if there is a way to extend the no interest. He explained that I could apply for another and transfer the balance if I qualified. The manager at this location I've gone to for banking advice regularly and when I applied for the first Core Visa he took my information and did the application for me. He applied and got me the other Visa and told me to bring in the checks from the new Visa to pay the other Visa balance. I did this and he paid off the balance except {$930.00} XXXXwo days before the payment was due on this card. He explained what he did and told me that the next payment I could pay it or the payment required. The next month I received both bills and paid the new card monthly min. payment but had questions with the old card because it was the same monthly payment I use to make before the balance transfer. I questioned this with that manager and he agreed and said that he would call their credit card service dept. to see why. He told me to not wait to pay it until he speaks with them. I asked  him about them reporting if I don't and he said no because it will be in disputed while he worked on it. I checked in with him a couple of times and he was still working on it. But the last time I called they said he no longer work there. Also at this time I received info about my credit dropping 200 points because of this. None of my PNC accounts has ever been paid late and if my report is looked at it reflects that. Missing payments doesn't fit my history. I've contacted PNC about this and they are refusing to fix this. I was directed by one of their banking officials what to do and feel as if I did everything I should have as a consumer and believe this is been miss reported. It doesn't make any sense that I would pay all of my other PNC accounts and not this account without being told by the manager of the branch. They aren't standing by what they tell their consumers because while working and trying to resolve this with them I agreed with Ms. XXXX in esclation dept. to pay the remaining balance of {$930.00} in full and she would remove the late fees. I paid the balance in full but they still have a {$53.00} bal. that shouldn't be there per our agreement. Now if I don't pay that bal. they will miss report that as well as not paid and continue to ruin my credit. This isn't fair to me as a consumer because I use my credit to make a living as well. PNC needs to fix the errors on my credit report and the balance on the old card per their agreement made by their employees. You go to a banking official to get guidance because that's not your profession and supposed to be able to trust the advice they give. Please help me with this complaint, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: OCEANSIDE MORTGAGE COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Oceanside Mortgage Company. I have been making my payments all this time for years. suddenly without any notice, I learned that my payments changed. Oceanside stated that they are now paying my taxes and insurance. I was never given a notice or an option or anything. I informed them that I want to pay my own taxes and insurance. This mortgage company is acting illegally and are violating my rights. They did this as soon as I requested the payoff amount on my mortgage. I told them that I want to pay off the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I have tried to refinance our mortgage with Caliber Home Loans , Inc . Since they are the servicing mortgage company that holds our mortgage at an APR 4.87 % 30 year fixed rate. On XX/XX/2020, I spoke with Mr. XXXX ( ID # XXXX ) a representative of C.H.L. and after our first phone conversation which I pointed out that our APR at 4.87 % was extremely high at this market and he agreed with me. He then asked me if he could call me right back within one hour and I agreed. Mr. XXXX never called back or answered my phone calls and messages, he left us hanging. Then we were contacted by another C.H.L. representative, Mr. XXXX XXXX ID # XXXX ) on or about end of XXXX I was negotiating a refinance from 4.87 % APR ( current APR ) to 3.6 % 30 year fixed rate. During the subsequent week on XX/XX/2020, I was notified by my company that my job was been terminated as a XXXX XXXX Consultant. I wrote to Mr. XXXX and expressed that to him. In the letter I explained to him that my wife, XXXX XXXX was still gainfully employed. I explained to Mr. XXXX that we were respectfully requesting that Mr. XXXX ask his superiors at C. H. L. to provide us an interest rate less than 3.6 % APR and a six ( 6 ) month grace period without penalty until I can secure another position. We explained that we were not asking for forgiveness of the debt instead we would ask that the amount be added to the end of the loan at the new interest rate. After sending this email to Mr. XXXX he simply responded that he was sorry and offered to send us to another department and did not. Until, XXXX, XX/XX/XXXX, when he called me back and I insisted that he would send me a link to deal with some one else. 
At this Caliber Home Loans, Inc. they keep passing the ball to the next person to try to dissuade you for getting a lower interest rate and refinance your mortgage. Even when the Federal Reserve Bank lowers its interest rate at 0 % and Governor XXXX in New jersey, asks us, the consumers in New Jersey to contact our mortgage servicing company to lower our interest rate and refinance with a grace period during these economic hard times. Please help us achieve this dire need to refinance our mortgage and stop companies tike Caliber Home Loans , Inc. from playing hard ball with customers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I got a loan from XXXX XXXX XXXX in XXXX, PA for medical assistant almost 13 years ago from XXXX XXXX. I wanted to go for the XXXX XXXX XXXX   but was told by this school that I had to complete a XXXX XXXX  class first for 9 months so I completed the class with XXXX  and completed my XXXX  but when I asked the school to help me with getting a job they told me I had to have an email set up which I did not at that time so they then told me they couldn't help me get a job because of having no email address. I paid on my loans every month as ordered and could not pay it for a couple months it was lowered so I could pay on it but my XXXX XXXX loan then got taken over by navient in XXXX and they harrassed me non stop with phone calls, calls to my brother in law 's family and people there not aloud by law to tell that information to except a spouse they then told me my only option was paying {$10000.00} at that time or go into forbearance and not for a while and then promised to lower payments well then the interst rated went crazy and I could no longer afford it. It's been almost 13 years and it finally closed this month but it's still on my credit report under XXXX  it's open now taken over by XXXX and under my Equifax report it says closed but the date my loan opened says XXXX, I wasn't born until XXXX. Can you please help and also let me know if I'm able to claim taxes because they took my refunds the last 2 years. I'm a XXXX XXXX of XXXX little girls and I currently live with my parents because I lost my fiancee and father of my children a year ago. I'm XXXX XXXX XXXX and have XXXX daughters ages XXXX & XXXX and need help with closing this loan and removing it from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I got a loan from XXXX XXXX XXXX in XXXX, PA for XXXX XXXX almost 13 years ago from XXXX XXXX. I wanted to go for the XXXX XXXX XXXX   but was told by this school that I had to complete a XXXX XXXX  class first for 9 months so I completed the class with XXXX  and completed my XXXX  but when I asked the school to help me with getting a job they told me I had to have an email set up which I did not at that time so they then told me they couldn't help me get a job because of having no email address. I paid on my loans every month as ordered and could not pay it for a couple months it was lowered so I could pay on it but my XXXX XXXX loan then got taken over by XXXX  in XXXX and they harrassed me non stop with phone calls, calls to my brother in law 's family and people there not aloud by law to tell that information to except a spouse they then told me my only option was paying {$10000.00} at that time or go into forbearance and not for a while and then promised to lower payments well then the interst rated went crazy and I could no longer afford it. It's been almost 13 years and it finally closed this month but it's still on my credit report under XXXX   it's open now taken over by XXXX and under my XXXX  report it says closed but the date my loan opened says XXXX, I wasn't born until XXXX. Can you please help and also let me know if I'm able to claim taxes because they took my refunds the last 2 years. I'm a single mother of XXXX  little girls and I currently live with my parents because I lost my fiancee and father of my children a year ago. I'm XXXX years old and have XXXX daughters ages XXXX & XXXX and need help with closing this loan and removing it from my credit reports

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am writing in regard to my dispute of XXXX Account XXXX. I disputed this account formation as being unverified and inaccurate, but I received notification on XX/XX/2020 stating the account information was verified. How is this possible? I attempted to contact TransUnion directly and was placed on hold for well over 30 minutes before the call was eventually dropped. I contacted XXXX XXXX / XXXX XXXX XXXX and have a letter from XXXX XXXX XXXX on company letterhead which clearly states this debt has a balance of XXXX ; full yet TransUnion continues to report that this account is accurate? This is absolutely incorrect and by continuing to report this on my credit report TransUnion is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA states that I have the right to dispute incomplete or inaccurate information and that the dispute must be investigated unless my dispute is frivolous. As clearly indicated in the documentation originally sent with my complaint # XXXX to the Consumer Financial Protection Bureau this complaint is legitimate and with merit and therefore should have been properly investigated. I contend that TransUnion has blatantly violated my rights under the FCRA by continuing to report this trade line as accurate. 

The FCRA states that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. I contend that TransUnion representatives assigned to verify this debt failed to properly carry out their duties and rubber stamped it as verified. This is also a clear violation of my rights under the FCRA. I am confident that this fact will be proven in a court of law as there is no question that the information on my credit report in regards to XXXX XXXX is incorrect. 

This is my last attempt to resolve this issue before litigation which will include seeking monetary damages for the negative impact these violations of my FCRA rights have caused to my credit scores. I have documented proof that I have been denied credit as a result of TransUnion incorrect reporting and refusal to correct. I demand that this item be DELETED from my credit report per my rights under the FCRA. While I prefer not to litigate if need be I will utilize the courts and publicity to enforce my rights under 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 2020-04-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$4800.00} OpenedXX/XX/XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 30days and I haven't any investigation results..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Rocket Mortgage, LLC
State: IL
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:
The late fee charged by Quicken loan When 3 payments have been send and then returned to my bank by the merchant to XXXX XXXX. 
payments send : XXXX-FOR {$850.00} RETURNED TO THE BANK XX/XX/XXXX by the merchant, Again ON XX/XX/XXXX for XXXX check forwarded to quicken loan Returned to bank XX/XX/XXXX ON XXXX SEND XXXX Returned to bank XXXX pay description from transaction history explains this, but I still got a late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
When I signed up online for the American Express Blue Cash Everyday card, American Express offered me 0 % interest for 15 months on balance transfers. Thus I transferred a {$5000.00} balance from other credit cards. Now, after the balance transfers have been completed and a 3 % transfer fee has been added to the amount, American Express says that introductory offer was declined. They claim there was a pop-up window during the card application process that let me know the offer was declined. There was no pop-up window on my computer, nor any other notification ( email, letter, etc. ) that would have let me know the offer was declined. If I had known at the time of application, I would not have applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Who do I speak to about USAA taking money from my stimulus check over an account dispute that was not properly or legally handled right? The account was closed and I have every right to legally dispute it but now that my stimulus check accidentally went to the CLOSED ACCOUNT Im told its temporary re opened so you can take my money you say I owed. This was a dispute with XXXX that was NEVER LEGALLY PROVEN CORRECTLY. I disputed this with USAA FOR THREE MONTHS ABOUT THEM SAYING I OWED THEM {$300.00} for a lease phone. The phone was paid off after two years with them. I asked them to send me my original signed contract to prove I owed them anything and they did not. This bill was NEVER on my credit report as showing delinquent. I never got to legally dispute it before they took the money out of my usaa account. I disputed it with usaa. They sided with XXXX  with no real proof of my original signed contract and the account was closed. The IRS sent my stimulus money to the closed account and I got a message saying it is temporarily re opening so they can take the money they say I owed. I never got a bill from you saying I owed that. I have every legal right to dispute that with the FDCPA BEFOR YOU TAKE MY STIMULUS CHECK!!!! This is unconstitutional and illegal as a 20 year member I am being mistreated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: California Business Bureau, 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 information incorrect

Complaint:
On XX/XX/XXXX I noticed on my Credit Report 2 collections from a Debt Collection Company California Business BU billing me for two medical accounts I have absolutely no knowledge of. Account # XXXX claiming I owe a debt of XXXX and Account # XXXX claiming I owe a debt of XXXX. Both of these accounts by the company California Business BU are being reported on XXXX. I quickly disputed both of these claims. I use a company called XXXX XXXX a credit monitoring service since I've had a problem with my personal info having been used in the past. They notified me that there had been a change in my report and the change had been that California Business Bu on the XXXX of XXXX had removed Account # XXXX in the amount of XXXX and immediately thereafter had made a new collection account and placed it in my report Account # XXXX in the amount of XXXX. When comparing the two collection accounts being reported by this business you will notice that both accounts are the same account number # XXXX only one is now for XXXX with the dates of : Date Last Active XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Reported XX/XX/XXXX and the other account is # XXXX claiming XXXX with the dates of Date Last Active XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Reported XX/XX/XXXX As you can see this is a violation of The Fair Credit Reporting Act, Fair Credit Billing Act, and Fair Debt Collection Practices Act. Violating my Right to Information which requires producers to provide accurate and truthful information when advertising. Under the Fair Debt Collection Practices Act, a debt collector is forbidden to claim False Statements, and use Unfair and Deceptive Practices. Both of these accounts need to be removed from my credit report and whoever is furnishing information to the National Bureaus is clearly taking advantage of the privilege to be able to do so in a negligent and careless manner.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I pulled my credit report and to my amazement, saw that you report this account with multiple lates, charged off etc I also have no knowledge of this account. I disputed this information with XXXX over and over again and the results of the investigation came back " verified ''. Not only am I late on any of my bills with any creditor, would never be late on this account if I had one with you, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. Since I have disputed the late payments and no knowledge of this account with XXXX, and you obviously " verified '' with them, I am very curious as to what kinds of " records '' you may have for this alleged account. Please provide ALL information in regards to this account. This account shows that is a joint account with who? Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.

Company response to consumer: Closed with explanation