BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I provide consulting services and get paid via credit card. 
Before I accepted the payments, I called my credit card issuers and asked them what is the safest way to get paid and not worry about fraud, as in the past when I got paid by checks, the checks bounced. 
So I wasclearly instructed not to give any card or banking information. 
I was told to take the company banking info for payment with a written authorisation to process the payments. 
I followed the instructions step by step, received the payments, and four and an half months later the credit card companies ( 3 of them ) say that the payments were reversed and that I have to pay back the balance, as it is not their problem to collect the original funds. 
I called many times and attempted to explain that there is a written authorisation for the mentioned transaction, and that I followed their instructions on payment but they refuse to help and now my credit is getting badly hit. 
I don't know what else to do. Thank you for your attention to this matter

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 2019-02-04
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:
I logged into my XXXX account on XX/XX/2017 only to see accounts and a social security number that did not belong to me. I immediately contacted XXXX of this situation I sent in my social security card my driver license and a credit card bill. it was fixed and then for me too log back into my account to see this other social security number again associated with my information. I am more than willing to take further actions and go to court to get this matter resolved.

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 2021-12-04
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was with BBVA and now I am told is moved to PNC. I have followed all the directions and tried calling PNC unsuccessfully on multiple occasions- their hold times are ridiculous ( 45 min without anyone answering ). I am trying to setup online banking and the information PNC has sent to me as well as the debit card number wont allow me to setup an online account. When I try calling I can not get any human to answer - it is infuriating that all during the hold times the automated message keeps reminding me that I should try their online banking for faster service. I need help from a human and have no more time to continue calling and holding ( one of the times I called and held for almost a half hour only to have the call disconnected ). What more do I need to do???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: PACIFIC PREMIER BANCORP, INC.
State: CA
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 have a company that I canceled my subscription in XXXX. I noticed this company trying to withdraw money from my checking in XXXX. 

I notified Pacific Premier bank regarding this issue. I asked if they could place a block on this company to prevent withdrawls from my account bc I had not given them my new debit card number on purpose. 

I was told by a Pacific Premier Bank gentleman who answers at customer service that he had placed a block on my account for this merchant. I said good thank you bc I don't know how they got my card number as I NEVER gave it to them. 

Later in XXXX I noticed a charge for this merchant and contacted Pacific Premier Bank. They told me they'd reverse it. 

I ended up in the hospital that month and was not dc 'd till the Middle of XXXX. I did not have my phone bc phones r banned in hospitals bc they can carry covid into the hospital. 

I noticed when I was dc 'd on my checking account That Pacific Premier Bank had allowed this company to withdraw money in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX even though they stated there was a block on this merchant. 

I called the merchant who stated they were reversing the charges but they never did. I asked them how they got the numbers for the last XXXX debit cards and they refused to give me this info. 

In XXXX my bank had finalized the merger with XXXX ( my original bank ) so they changed cards again. So why did Pacific Premier Bank allow charges on 2 cards that were never given to XXXX?! Especially if they told me there was a block on my account?!! 

Sounds fishy to me!!! Someone in Pacific Premier Bank is giving card numbers out to ppl. 

I spoke to Pacific Premier Bank on XXXX occasions and they told me it was my problem even though they had to have given the merchant my card number and told me there was a block on my account. 

FRAUDULENT ACTIVITY BY THE BANK AND XXXX XXXX. WANT BOTH. INVESTIGATED. 

Plus I've notified the Bank I am unable to access my online bank statements on their site ( on multiple occasions ) and did not authorize electronic statements in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Short summary : Wells Fargo did not prepay my property tax for no reason when they willingly prepaid another customer 's property tax Details : My complaints are about Wells Fargo 's practice on customer 's mortgage escrow account. I sent an online message to Wells Fargo ( WF ) on XX/XX/XXXX to ask if they can prepay my property tax that is due in XX/XX/XXXX. This was after the tax reform bill was passed. The response I received said WF could n't honor my request because the escrow funds will be disbursed earlier than anticipated. Hence I prepaid the tax bill with my own funds. Later on XX/XX/XXXX when I was talking to a friend who also has a mortgage with WF, I found out that his property tax bill was prepaid by WF. He told me that WF was even willing to lend money to prepay the tax bill as there was not enough funds in the escrow account. I requested an explanation to WF but they have not provided me any so far. I have been nothing but a great customer. I have not had any complaint before, and my payments are always on time. Only reason I have had my mortgage with WF is because it was sold to them by the local lender that I originally obtained it from. WF should not be allowed to buy mortgage from other lenders without customers consent.

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 2021-12-04
Company: Experian Information Solutions Inc.
State: NJ
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 Experian credit Score rating was XXXX until XX/XX/XXXX, for no reason at all, on XX/XX/XXXX Experian dropped it to XXXX ( XXXX rating dropped ) here, I wnt to page, I checked, I dont have any wrong mistakes and I pay attention to my credit 1 day later, in XXXX Experian took it up XXXX points and made XXXX I would like to know why my score rating was exasmined and XXXX Score drops that Experian had suddenly made were corrected if not corrected I see error here I ask them the reason in their writings that come to me, and they sent the list below that will cause negativity. 
There is no negativity from any of these written in my tiles they can't tell me that your score is low for water or this reason, it was a big mistake I follow Experian, of which I am a member, every day to fix my own tile, I have never made a mistake. 
Please, I want them to do research for my lost Score and say if it's really not a bug, for the following reason, it's my fault, they have a XXXX. I want their fixes to be investigated.

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 2021-12-04
Company: EQUIFAX, INC.
State: MN
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 have sent numerous request via U.S. Mail requesting for Equifax and XXXX to permanently delete and remove all fraud alerts, Extended Fraud Alerts and File Blocked For Promotional Purposes. The fraud alerts are still showing on my XXXX and Equifax credit report. I want the fraud alerts deleted and removed from my Equifax and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased my car in XX/XX/XXXX. The loan is through Ally. I have had nothing but problems with this loan from the beginning. My payments were not being applied to the account in a timely manner. I resorted to mailing most payments by priority or certified mail. ( When I could do so. ) Again, a payment has not been posted to my account. This payment was mailed on XX/XX/XXXX. I have requested a " pay-off '' amount. Just to get this loan away from Ally. I have not received that as of today. Phone calls from this company originate from off-shore and I do not supply or confirm any personal self identifying information over the phone. ( Especially to someone located outside of the US, that is unable to speak and understand English in a clear or concise manner. ) There is approximately XXXX attached to this loan in late fee 's, which I believe is intentional on the part of Ally. I also believe that some of the actions by Ally, are due to my age and gender. ( Age and gender discrimination. ) I have never had as many problems with a company as I have had with Ally. I want Ally to furnish the requested pay-off amount, so that this account can be closed with this company as soon as possible. I am also requesting that a itemized statement concerning the late fees charged to this account, so that they can be compared with the postal receipts. Ally, needs to be investigated for the way they treat their older female customers.

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 2019-02-04
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XX/XX/2018 I filed a complaint with this company and they claimed to have placed my parents numbers on a Do Not Call list. Yet my parents are once again receiving repeated and harassing phone calls discussing my debt. 

Not only have I asked XXXX XXXX to stop and they have not honored that, they have taken to calling from multiple numbers at all hours of the day, 7 days per week. This is harassment and an invasion of my privacy. Any number you are calling needs to stop IMMEDIATELY as it should have almost a year ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: MN
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:
The following previous addresses listed on my Equifax and XXXX credit report are not my previous addresses : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX MN XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX MN  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX MN  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX AZ XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXXXXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX, the previous addresses arent my previous addresses. The previous addresses do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: MI
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 do not have and have never had an account with XXXX. XXXX is now reporting this debt to XXXX XXXX. I do not own a home nor do I rent, and it is impossible for this bill to have been mine. Someone must have used my information. 

I am demanding that I be sent the original documentation that has the account information so that I may file a proper police report. 

The account was opened XX/XX/2017. 
Company : XXXX XXXX : {$1400.00}

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 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received 3 letters from TransUnion Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). 

Soon after receiving this information I submitted Dispute Letters to ( TransUnion, XXXX, & XXXX ) with the above derogatory account information on it that was given to me from TransUnion. 

I received a response from TransUnion dated XX/XX/XXXX(  less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. 

I submitted another Dispute Letter only to receive a TransUnion response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to TransUnion , our records show that the information you disputed does not currently appear on your TransUnion credit report. 

The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from TransUnion credit monitoring. 

I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now XXXX  dropped another 7 points! I work very hard to get where I am at. 

So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which TransUnion and XXXX   now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : TransUnion, XXXX  and XXXX  each received a letter from me disputing this account and asking for validation.

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 2021-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 informed Credit Bureaus that this company was violating the Fair Credit Billing Act by illegally adding fees and yet you did nothing to correct the matter. Had your record-keeping been accurate, proof of the last statement would have revealed such horrendous behavior. You are condoning illegal behavior and credit bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Experian Information Solutions Inc.
State: MN
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:
The following previous addresses listed on my XXXX and Experian credit report are not my previous addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, AZ XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX, the previous addresses arent my previous addresses. The previous addresses do not belong to 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 non-monetary relief
Consumer complaint received 2018-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX, ( the " Borrower '' ) am the innocent victim of foreclosure fraud perpetrated by BANK AMERICA, N.A. ( the " Lender '' ). Lender is located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, ATTN : XXXX XXXX XXXX, CEO, tel. ( XXXX ). Borrower 's Home Equity Line of Credit ( HELOC ) Account No. is XXXX. Borrower 's Bank America, N.A. 's Checking Account No. is XXXX XXXX XXXX. 

According to the terms of Borrower 's HELOC contract with Lender ( successor to XXXX XXXX ) dated and commenced on XX/XX/XXXX, funds to pay for the monthly Periodic Finance Charge ( interest and interest only ) as stipulated by the Automatic Payment Authorization provision in the HELOC contract are to be debited monthly. 

This above-referenced debiting from Borrower 's checking account occurred successfully and faultlessly from the HELOC loan 's inception until XX/XX/XXXX, a period of almost eight ( 8 ) years, when the Lender put Borrower 's HELOC loan into " default '' status claiming there were insufficient funds in his checking account to pay for that month 's Periodic Finance Charge. On the contrary, Borrower has endorsed Bank America, N.A. deposit slip proof indicating the funds in cash were in Borrower 's checking account per the terms of the HELOC contract each and every month through the present date. Lender commenced a fraudulent foreclosure action upon the Borrower without ever providing a truthful and valid reason as to the cause as to why and how there could be insufficient funds in Borrower 's checking account. 

The Lender never truthfully nor timely nor completely responded to Borrower 's multiple verbal as well as written requests to answer the reason for the insufficient funds. After several years, the Borrower ascertained that the Lender illegally and fraudulently debited the Borrower 's checking account to pay a Lender-Placed Flood Policy premium in XX/XX/XXXX. The Lender never complained before this XX/XX/XXXX date, an approximate eight ( 8 ) year period, that the Borrower was ever not compliant with his flood policy coverage per the terms .of the HELOC contract.Instead, the Lender illicitly debited the Borrower 's checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Saturday XXXX XXXX, 2018 I received an email from Bank of America to take a survey. I have NEVER took a survey before and it will be my very last one!! I have a pic of it too. At the end it stated I could win up to {$200.00}. So all I had to do to get some kind of skin cleanser was pay just for {$4.00}. It was on the Bank of America survey on my XXXX. I know I did NOT complete it, but a few minutes later I had an email from a company called XXXX XXXX XXXX which I never heard of and they charged my B of A credit card of {$4.00}. I called the number on bottom of receipt of XXXX and I called over a dozen times to cancel and they said they could find NO account for me even though there was an order number on my receipt and they charged that amount on my Bank of America credit card! I called B of A 10 times and told them every detail and spoke with fraud and dispute dept. and asked to speak to a manager every time and they would not do it! I have cried enough tears and I so upset as that skin company is a subscription and will take out {$69.00} every 30 days from my card and NO ONE can help 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