BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: WELLS FARGO & COMPANY
State: MD
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:
On or about XX/XX/2022, Wells Fargo Bank allowed XXXX XXXX to withdraw {$8800.00} dollars out of my account ending XXXX which was a fraudulent transaction. I called wells Fargo bank to report the fraud and they denied the claim without reason. I have been on a recorded call with wells Fargo bank and was told companies have the authorization to make any type of withdrawals from my brand new checking account. I had closed a checking account ending in XXXX on/or about XX/XX/2022, and I had lost my checkbook, Because of this I closed the account and opened a brand new account. I did not authorize any company to take any ACH or provide my new account number or routing to XXXX XXXX or any business to take an ACH payment from my account. Wells Fargo opened case number XXXX and wrongly captions this as a stop payment when it was a fraud and unauthorized payment. I have reached out to Wells Fargo to get an explanation and talk to a manager and to this day no one has called or emailed me about anything. I have proof that this company did not have access to my new account which I will be attaching to this message. Wells Fargo needs to return my funds immediately. In addition, Wells Fargo assured me that my account was secure and no merchant could take money from my new account and that authorization doesn't pass from one account to another. This is fraud and I need Wells Fargo to show me the investigation performed on this account. 
Wells Fargo knows they are in the wrong because when I opened the claim they never sent an email with the claim number, and they never followed up with a callback, in their own writing and emails when I closed my account they tell me in writing that I have to set up accounts or payements. They are trying to commit fraud against me. I have attached another claim that they handled my other claim properly see attached and it was because it was for a lesser amount and they have no problem sending me my documents correctly so I have the proof no they are wrong.

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 2017-09-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or missing disclosures

Complaint:
I would like to trace all Money Gram payments for the tenants located on XXXX XXXX XXXX, XXXX, VA XXXX since XXXX-XXXX-2017. Please reverse all payments of the property via money order as a direct debit to my XXXX XXXX Bank account, routing account number XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for the American Express XXXX XXXX XXXX with a promotional offer of XXXX points after spending a minimum of {$5000.00} in the first three months. The application was approved on XX/XX/XXXX. I fulfilled the minimum spend within 2 months but was never given the promotional offer. 

I initiated an inquiry in XXXX or XXXX ( specific dates are unknown ) as to why I never received my points. According to AMEX I have previously opened a XXXX XXXX card before. This is not true. I 've previously held the XXXXXXXX XXXX card but it is not the same product/card. 

AMEX then said that a personal card was opened in XXXX but closed on the same day. This must have been a mistake as I 've only ever held a XXXX XXXX card for 1+ years. As a result I was auto denied my XXXX point bonus. A review would be opened and I was told to follow up in 30 days. 

On XXXX XXXX and XXXX XXXX, I followed up AMEX and was told I will still be denied because I had a XXXX  account. This should not be the case as I 've never owned a XXXX XXXX card. Even the first representative stated that a personal platinum was only opened and closed on the same day. I should not be denied my XXXX bonus because of such an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06
Company: EQUIFAX, INC.
State: NC
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:
I have multiple inquiries for credit cards And loans. I had my wallet stolen like 12 months ago ever since then people have been getting or trying to get things in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have an XXXX XXXX XXXX XXXX issued by Barclays bank. I recently received my XXXX billing statement and noticed the annual fee renewal notice. The notice mentioned that my account will renew next month and an annual fee ( {$99.00} ) will be billed next month. Barclays has changed card benefits twice in the past year, which impacts the value I receive. I've previously called to opt out of changes and request a copy of the card 's terms, but they never seem to be able to provide them. Due to this type of frustration, on XX/XX/19, I called customer service to mention that I did not get enough value to justify the annual fee. The fee notice specifically mentioned calling to " discuss alternative products that may be available or to close your account so that the fee will not be billed. '' The phone agent, XXXX, attempted multiple times to resell me on the card benefits and said he was unable to waive the annual fee. I had not asked about a fee waiver, but kept asking about the alternative products mentioned in the statement notification. The agent told me he couldn't offer my any alternative products and wouldn't waive the fee. He told me my only alternative was to close the account. I responded that I might close it, but that wasn't my first choice. I didn't like the agent 's tone or attitude, so I asked to be transferred to a supervisor. The agent resisted making the transfer, but I insisted on speaking with a supervisor. At that point, the call was disconnected. I can't say with certainty that the agent hung up on me, but it wouldn't surprise me. 

When I attempted to call back and speak to another agent, I found out that XXXX ( the prior agent ) had closed my account. While this may have become the ultimate outcome, the agent had clearly closed the account without my express permission. I was able to speak with another agent, XXXX, and she confirmed that the prior agent closed my account. Given the poor service, I'm fine with ending the relationship with Barclays, but it's clearly a violation to close a customer 's account without express permission. Closing an account has several implications and closing an account without permission can not be condoned or permitted.

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 2018-07-16
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: Old information reappears or never goes away

Complaint:
My wife and I had a mortgage foreclosure in XX/XX/2011. It still shows on our credit reports and should not. The sites do not have a link to ask that it be removed. I think this is deliberate, to discourage communication.

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 2017-06-20
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited XXXX cash into my account. The ATM took the money and then the screen read that it could n't handle my transaction at that time. I did not receive a receipt nor did it return my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: SYNCHRONY FINANCIAL
State: MA
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:
I wanted to submit an application for XXXX 's Credit Card using the link XXXX XXXX XXXX and when I saw the terms and conditions at https : //apply.syf.com/cs/groups/public/documents/et_tcdoc/e048003.pdf, I could not find the 'Annual Fee ' amount listed anywhere. 

I sent XXXX an email on XX/XX/XXXX with the content as " Annual Fee clause is missing in the Rates and Fees table and the Terms and Conditions page too. Please add the same ''. 

I got a reply as " The XXXX Credit Card is administered by Synchrony Bank. '' I felt the service was very subpar and unsatisfactory. Kindly intervene and have them include the Annual Fee rates in the terms and conditions please.

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 2022-10-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian is reporting a false account on my report. Which is a clear violation of my rights under the FCRA. As I have never done any buisness with XXXX XXXX XXXX XXXX whatsoever I have no verbal or written agreements with this entity and no Proof was ever garnished as 30 days have come and gone which is another clear violation under the FCRA I have a right to privacy and factual credit reporting as a tax paying consumer.

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 2022-09-02
Company: Neighborhoods United, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I bought a home and took a first and second mortgage with XXXX XXXX. In about XXXX XXXX XXXX sold the loans to XXXX  XXXX XXXX. Then XXXX  XXXX XXXX told me they sold the second loan again. I never received any paperwork. I continued to pay the first loan, but I could not find where the second loan had gone. I did not have any communication until XXXX when I received a letter from API stating that I owed a large sum. I called and asked where my loan had been, asked for a welcome letter, asked for the history from the past 14 years. I requested this verbally XX/XX/XXXX and followed up with 2 emails on XX/XX/XXXX and XX/XX/XXXX. I was verbally advised to communicate with XXXX XXXX at XXXX. To date, I have not received any paperwork verifying that they have the loan. I have no paperwork to show they are the correct entity to collect on the loan. I do not know where my loan was for 14 years. I would like documentation regarding AHP ending up servicing this loan. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: OneMain Finance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I originally got the loan with OneMain Financial set up I had little to no interest in any add-ons or insurances. When everything was ready for signing it seemed like there were 1 or 2 small insurance fees added on. It was confusing and complicated but the person helping me forged ahead like everything was normal and expected so I went along with it. 
Later I decided to borrow more money and also said I want to remove whatever extra things are on my loan. However when it was time to sign the person helping me told me the monthly cost included the 3 add-ons I had already on my account. Again I was confused by this, but I felt pushed not to make the process even more complicated and went along with it. 
The most recent time I have asked about possible loan increase I specifically stated at the beginning of the call I wanted to remove any and all extras tacked onto my account. I said it multiple times to 2 different people. Now I am no longer eligible for increases.

A side note to this complaint : there is zero visibility in my online accounts whatsoever as to what all I'm paying for in my bill. I can not view any specifics for my account on any insurances or add-ons or even what percent of the payment goes towards interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-02
Company: EQUIFAX, 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:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX with no successful resolution. Equifax and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My father and I have a loan with Synchrony for a recreational vehicle. In XXXX the vehicle was in a fire and declared a total loss. The loan had a gap policy attached. The insurance has paid with the remaining balance being {$1600.00}. I have submitted everything for gap except the full payment history which ive requested 4 times from synchrony. They hAve confirmed each time they have sent and I have not received. The gap company refuses to pay without the payment history and I have spent hours to no avail back and forth with the company. The time frame is coming to an end for me to exercise gap and im paying on a vehicle I do not have. This has been a nightmare

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 2017-09-06
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
US GAO fund created by XXXX XXXX with NASA XXXX XXXX  XXXX XXXX, XXXX, VA XXXX. She steals information using the XXXX database to commit life securities fraud with the Social Security Administration and communicates with the IRS to have fictitious documents sent. She organizes check fraud and federal mail fraud crimes with the USPS. 
Attempt to transfer the government fund using my old social security card and Underwriting Formal Disclosure notarized by XXXX XXXX on XXXX2017 with PNC Bank located on XXXX XXXX XXXX XXXX, XXXX, VA XXXX to advance funding for unauthorized use of XXXX XXXX VA tag XXXX and purchase of condominium with the XXXX XXXX XXXX XXXX located in XXXX, VA, XXXX XXXX XXXX ( attempting to purchase properties between {$26000.00} to {$250000.00} ), and XXXX ( attempting to purchase properties between {$95000.00} to {$160000.00} ). Also, she is assisting the builder of the XXXX XXXX XXXX XXXX to sell homes and pocket {$550000.00} with the purchase of two {$400000.00} homes based on Commercial Liability Insurance with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with a total value of {$800000.00}. Realtors that I have been communicating with are stating that the properties I am interested in are under contract. However, they are using my information, funding, and creation of fraudulent documents to purchase properties which is against the law and a premise for a stolen identity lawsuit. Business License Fraud with the City of XXXX  Commissioner of Revenue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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.

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 2023-06-27
Company: Kahn, Dees, Donovan & Kahn, LLP
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
on XX/XX/2023 there was an XXXX Summons on the door addressed to XXXX XXXX XXXX. I have reviewed the Financial Responsibility page at the back that I have attached to this complaint and Determined that it was a forged signature with printed name incorrectly spelled wrong. 

Professional & Business Collections LLC is attempting to Sue me and did not Correctly Send me a Validation of Debt according 15 USC 1692g of the Fair Debt Collection Practices ACT I Do Not Owe This Debt and I Deny All amounts owed on this alleged Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: PNC Bank N.A.
State: GA
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:
very dissatisfied with how the bank handled unauthorized charges. They claim to issue provisional credit and then place provision on the provisional while they 'investigate ' as though the guilty party will admit to price gouging. They act as though they are throwing crumbs and you better be happy or else when the misappropriation is not due to negligence or offsite forcing me into overdraft despite a history record of not going over on purchases made. in short, with no prior deception, I can not be trusted to tell the truth while the merchant is operating with impunity. One such case is withholding to investigate a charge made when more than XXXX miles away with purchases done the same day to prove it. What more evidence is there to have than hard facts? My XXXX status did nothing because they were told ALL is XXXX benefits and protected for well over an hour no amount of reason made me whole. It's just another way of making money like the wait for clearance of checks. It's reckless with the record rise of inflation resulting from the pandemic. Merchants pull cons like overcharging before, during and after yet given the benefit of doubt while the victim gets XXXX XXXX XXXX, every XXXX matters. I can't work overtime like regular people and I'm tired of the bias that banks often engage in like it's their money taken, not yours. Unacceptable conduct through no fault of my own is demeaning and counter-productive if the only beneficiary is the offender themselves. Interestingly, it is also why unscrupulous businesses do the act in the first place. Or the 'who would they believe " rhetorical question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: NC
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:
I have filed a dispute with Equifax INC many times concerning this matter.I have spoke with the Equifax fraud department many times concerning unauthorized inquires from XXXX XXXX  XXXX that was placed on my Credit Report.I have asked Equifax to remove the unauthorized inquires from my report, but they refuse to do so, they told me that I need to speak with XXXX XXXX  about the inquires.Well I spoke with XXXX XXXX about the inquire which they are showing that I never had an account with them.They all so send a letter to Equifax and myself showing that the those inquires need to be suppress from my Equifax Credit Report.I have resent the letter that send to me but Equifax still refuse to remove them from my Equifax Credit Report which is outrageous that Equifax is allowed to do this which can harm people lively hood and creditably on their jobs.I will be attaching the letter that was send for verification to all three credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX Bank XXXX {$11000.00} closed XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, {$9000.00} closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, {$3800.00} XXXX XXXX XXXX XXXX {$0.00}. Showing 90 days late XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$15000.00} closed XX/XX/XXXX XXXX charge off # XXXX closed XX/XX/XXXX XXXX charge off # XXXX {$170.00} XXXX XXXX XXXX {$16000.00} XX/XX/XXXX has violated my rights. 

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

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

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