BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: PNC Bank N.A.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I did a bank transfer online from my checking account to my credit card account with PNC bank on XX/XX/2023 for {$200.00}. Upon completion my online transaction was complete and had posted. I checked my account a few days later the payment was not there as if it were never made. I contacted PNC by phone. I was told that on their end no payment was posted. I told them repeatedly that it was there. I did not write the transaction number down nor did I make a copy. I should have since I have had numerous issues with this institution. I was told it would be sent to the resolution department that handles online transactions only. Finally I heard from XXXX after several missed attempts to reach back her number XXXX. I explained what happened again. I was told that I was assigned a case XXXX XXXX her number XXXX. I never did speak with her. She never returned any of my calls. I left numerous messages. Finally after several days I spoke with XXXX XXXX XXXX. Explained my issue again. I was told that there was no transaction made and that no payment had been made since XXXX of 2023. I said that is not true. I made a {$200.00} payment XX/XX/2023. I did contact the BBB. No resolution there because the bank refused to come to an agreement. The BBB did give me the contact information for XXXX of the Comptroller of the Currency. Put my complaint in with them. I received notice from them stating that my complaint could not be handled by them. I was given your contact information to put in my complaint. I have been trying to resolve this since XXXX of 2023. I want PNC to waive this {$200.00} minus late fees that are piling up. At this point my account is almost {$3000.00} in the negative. I have not made a payment toward this account until it is resolved. I want PNC to close my credit card account with them. I will agree to pay {$1000.00}. in installments. I pray you can be of some assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a a victim of Identify Theft, where my personal information has been compromised. 
I have taken the steps and filed a " Identify theft report '' on XXXX as well as filed a police report at my cities local police station. 

I found out about two months ago when seeking to renew my auto finance lease through XXXX. Unfortunately In doing so, I was denied access to my OWN XXXX account since I couldn't verify the " correct information " since someone else provided wrong information so I couldn't even identify myself with my CORRECT identification. 

I then proceeded to try to open an account with XXXX XXXX since I couldn't get into XXXX... I couldn't even open an account with them since someone already created an existing account with an email, ( XXXX ) that does not belong to me XXXX reflecting wrong listed below : My birthday, My address, and my name were all listed wrong. 
( I was able to fix that after trying for two weeks with only one Credit Bureau, XXXX ) Accounts THAT DO NOT BELONG TO Account : XXXX Amount : XXXX Account Type : Charge Account Accounts : XXXX Account type : Installment/ Unsecured Loan Amount : XXXX Account : XXXX Account Type : Instalment/unsecured Loan Amount : XXXX Hard inquires XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS, XXXX XXXX XXXX XXXX XXXX A XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also have many duplicates on my hard inquiry that should not be reflecting twice LISTED BELOW XXXX XXXXXXXX - REPORTING THREE TIMES XXXX XXXX REPORTING TWO TIMES XXXX XXXX XXXX XXXX- REPORTING In order to solve this, I have tried to call all three Credit bureaus and every time I have been transferred and not helped ... . I feel like my rights are being violated under the Section 623 ( a ) ( 1 ) ( B ) and no one has been responding to all my attempts which resulted in failure. this is my last and final resort

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2023 I received notice my application for a new Amazon Prime Visa Signature account was denied when I had never initiated an application for one. I called Chase who issues the card on behalf of Amazon Prime to inform them I had never applied for credit. When they asked for my social security number to reference the application I refused to provide it. I told them if the credit application had been submitted correctly they would already have my social security number, and an application submitted without the number was proof it was submitted without my consent. They refused to confirm or deny there was a social security number. They stated they could not remove the denial of credit from credit reporting agency records without my submission of my social security number.

I believe proof I never applied for a new AMAZON PRIME Visa Signature card account is validated by the absence of my social security number on/ with the application in their possession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have recently accepted a trial mortgage modification with Nationstar Mortgage. They are a XXXX company, although they did not disclose that in the initial offer. The three month trial period is over and they have sent me the final documents to sign. The letter that accompanied the loan document offered an extension if necessary. I have made two attempts to request an extension due to business travel. They gave me a deadline of XXXX XXXX, 2016 and I will be away from XXXX - XXXX for business. I was unemployed for almost five years, working jobs that kept me below poverty level to get by ... it was so bad, I was on food stamps. In XXXX, I finally got a permanent job and now would like to get back on track with my payments. I need to focus on this business trip and keep this job. I also need to speak with a family friend who is an attorney who will review the document for me, without charge, but he is busy with court dates and it will take time to connect with him. 

When I called to request the extra time, I was spoken over, yelled at, and never given a straight answer as to whether or not I may have the extension I requested. The document is ambiguous and I need time to have it explained to me and understand fully what I am signing. I kept asking for a simple yes or no and the rep just kept talking over me, arguing with me, asking me why I need so much time. I need time to research what I am getting into and it is not unreasonable to request the extension, especially since they allude to it in the letter. The last two reps have been male and very aggressive. The conversations were recorded ( so they say ). It certainly does not make me feel confident about entering into a business transaction with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-10-27
Company: ASSOCIATED BANC-CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX Withdrawal ASSOCIATED BANK XXXX XXXX XXXX XXXXXXXX - {$340.00} XX/XX/2023 XXXX Withdrawal ASSOCIATED BANK XXXX XXXX XXXXXXXX XXXX - {$340.00} Only showing 1 payment posted, told me the other one was reversed or their system cant process 2 payments. XXXX stating they sent both payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Medical Data Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical Data Systems added a collection for my XXXX  appointment. I used my insurance with XXXX and then paid the balance. I don't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
On XXXX, Carrington sent me a notice stating that they were declining my request for forbearance related to Covid-19 public health emergency.

AS YOU KNOW, CFPB moved against Carrington with an administrative proceeding file numbered XXXX. In the stipulation signed by XXXX XXXX of Carrington on XXXX Carrington agreed to accept the Consent Order dated XX/XX/XXXX and signed by the Director XXXX XXXX. 

This consent order stipulates that Carrington will : " Notify all Consumers to whom it was represented that they were NOT eligible for a Forbearence, as desribed in paragraphs 15 ( A-B ), and who have loans serviced by Carrington, are delinquent as of the Effective Date, and have not entered in to a forbearance since XX/XX/XXXX, that may be eligible for loss mitigation assistance, including, but not limited to, forbearence ; '' Nor have they conducted an Audit as stipulated in paragraph " e '', nor have they made any refunds as stipulated in paragraph " f ''. 

To date they have made no attempt to refund the fees charges to me related to this illegal denial of a forbearance, nor have they provided any information as to how I might collect these funds, which they stipulated to refund in their stipulation agreement dated XXXX 
How can I collect the {$12000.00} plus in fees from Carrington, that they charged me to get my home out of foreclosure?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Biehl & Biehl, Inc
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Our church continually receives physical mail and phone calls from Biehl & Biehl out of XXXX XXXX, IL stating that there is a past due amount due to XXXX. Our church has never had an account with XXXX. Further, the documents this company provides have a gross misspelling of a former employee 's name ( her actual name is XXXX XXXX XXXX XXXX, which they spell as " XXXX XXXX XXXX XXXX. '' She would have had no reason to use XXXX services, which are not even outlined clearly on the obviously falsified " invoices '' Biehl & Biehl has provided. The XXXX logo is pixellated and unclear. The name is clearly wrong. Charges are vague at best. We have filed a complaint with the XXXX XXXX XXXX, and have notified Biehl & Biehl as such. There are NUMEROUS complaints against this " company '' on the XXXX website. They need to be investigated and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-02-09
Company: EQUIFAX, INC.
State: PA
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:
Hi... .. there are unknown inquiries on my report that I did not apply for, upon trying to resolve they remain on my report I currently have a block and security measures on all credit bureaus, granted these inquiries are not performed by me. 

I have also file a complaint with the PENNSYLVANIA ATTORNEY GENERAL DUE TO DUPLICATE FALSE INFORMATION ON MY REPORT ON ALL THREE BUREAUS 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been a capital one customer since XX/XX/XXXX with my platinum credit card that i just paid on XX/XX/XXXX and my credit reflects a late payment and a balance which is already paid off in the sum {$260.00}. my credit report is negatively reflected even though i have proof from my bank that i made the payment and they accepted and my balance should be {$0.00} but sadly it does not reflect that. i am trying to apply for a mortgage and i am unable to get approved due to incorrect information reported on all XXXX credit reports. please fix error to reflect {$0.00} balance with Capital one credit card under my name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX & XXXX changed banks in XXXX. I was issued a new card under Synchrony Bank. I never received the card nor statement. I received an email that a payment is due from a non-reply email. I called Synchrony and reached their automated service. I asked for my account number it sent me a link to do a live chat. I used the link, but there was no icon for a live chat. Researching I found on their web site that the icon is only available once you logged in. I can't register to create a login without the account number. 

I called back to speak with a live person. The auto system does everything it can to not allow you to speak to a person. After hitting XXXX a bunch of times it finally asked to press XXXX to speak to a live agent. XXXX picked up the call asked for my full name. I explained that I never received the card or statement and that I need the account number to register. She placed me on hold. I think she was new, she kept asking my " Did you receive the card? '' by the XXXX time I asked what she didn't understand about myself not receiving the card nor statement. She came back verified my address and then said I can't give you your account number. I asked how am I suppose to register and pay the account without this information? Her reply " The good news is we have the correct address. I can not give you your account number. '' I then asked well how am I suppose to get it? " From your card and statement. '' I hung up. 

I have an account I would like to pay and not ruin my credit, but I have a bank that will not provide me with a key part, my account number. 

The irony is you are asking for the card number to help find me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
State: OH
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:
On XX/XX/2023, XXXX pm, I received an email congratulating me on my application for a Chase Freedom card, which I did not apply for. I checked my account and noticed a newly issued freedom card. I called XXXX immediately and asked them who, when, and where the application was submitted. I was told that the application was submitted through my online account near my workplace ( which has a Chase bank nearby ). However, I was absent from work this day. Also, I had double verification protection for my online account, which required a verification code sent to my cell phone. It would be impossible for others to access my account on my desktop at my workplace. I asked Chase to cancel the card and temporarily locked my online account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: HarrisLoftus, PLLC
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Today ( XXXX XXXX ) I submitted an application for an apartment, and to my surprise I was decline. It stated I was being decline due to XXXX reporting a Civil Court Record by XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX that was filed on XX/XX/XXXX and judgement date on XX/XX/XXXX. I was unaware I even had a judgement. I quickly contacted the Silver Collection Property Manager ( XXXX XXXX ) and she confirmed that I have a {$0.00} balance and provided me with my general ledger with the Silver Collection as of XX/XX/XXXX ( please see attachments ) that shows from XX/XX/XXXX through XX/XX/XXXX I have fulfilled my monthly rent during my tenure at this property. And I was never evicted from the XXXX XXXX. So, I don't understand how a judgement was entered on XX/XX/XXXX and I still reside at the property until the end of my lease on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
During Covid my informations was compromised and someone activated my card And used my funds which I thought I was receiving direct deposit but never was I ever

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief