BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: MA
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:
Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I was 6 months late with XXXX Wells Fargo credit cards. I was contacted once from Wells Fargo in regards to payment due. I was taking care of my XXXX father and neglected those cards.He passed and now I 'm being threatened to be sued by a law firm. I have made 2 payments, 2 months in a row on both of my credit accounts online. These accounts are still open, but I 'm being sued? Law firm says they will put a lean on my home too, but that I can pay them directly and they pay Wells Fargo? I 'm trying to catch up on my accounts to avoid suit. Can they sue me while Wells Fargo still accepts my payments online with what seems to be an open 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 explanation
Consumer complaint received 2022-05-18
Company: Monterey Financial Services LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: OH
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 tried calling twice and did an online dispute to have old addresses removed from my credit report. Experian still has not removed this old, out dated information.

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 2016-07-25
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently found out that I had a " 60 day late '' on my loan. This came from when PNC bank took over servicing my loan from the previous company. I have always been an auto pay customer with perfect credit. The PNC takeover undid my auto pay, and due to a mix of poor communication and confusion, my first XXXX payments with PNC were " missed. '' The second it was clear what happened I talked to an agent. She said that she understood the situation, that these things happen, and that there would be no late fees ( I took this to mean we were all set and I was in the clean ). I immediately sent an electronic payment for three months worth of the mortgage and set up a new auto pay. Throughout this whole period I had about 20-30 times the monthly payment available in my checking account. 

Once I discovered this issue I went though a couple of unhelpful calls with the bank before being told I had to submit my story in writing to request a goodwill or courtesy adjustments. I submitted a long letter documenting the whole story and showing my auto payments in the months before they took over and after. I also shared with them my account balances throughout this period. It would be clear to anyone who took the time to read or think what happened and that this whole situation was confusion over auto payments. 

After about two or three weeks they replied to my XXXX page letter full of documentation with a XXXX sentence form letter that offered no indication that they even considered my case. They simply denied my queries and declared the case closed. 

Their communication through the period has been horrific and the complete inability to talk to anyone who has anything to do with the credit agency reporting extremely unhelpful. I ca n't say enough bad things about them. I am a sophisticated person with a XXXX and no actual financial problems at all. I ca n't imagine how they must abuse and take advantage of other folks who are no so lucky and do not have the time or resources to pursue complaints. 



sent an electronic payment for three months worth of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 to XXXX XXXX Someone hacked, Spoofed, Pirated, Accessed my Wifi to get into my phone to Access my Wells Fargo Bank Account. Once this scammer Accessed my Wells Fargo Bank Account they made 36 Unauthorized XXXX Money Transfers to another account totaling {$5000.00}. I reported this Unauthorized activity to Wells Fargo Fraud Department. But Wells Fargo did nothing. Wells Fargo didn't even contact XXXX. From the start I told Wells Fargo that I did all my banking from my phone and my phone had to have been hacked. All Wells Fargo could tell me was that the transfers came from my phone, and that I made the Transfers. I tried to explain that when your phone is hacked and a scammer steals your funds, the scammer has taken over your phone so yes it will show that the transfers was made from my phone. But Rather than do their job and investigate, Wells Fargo seems to think I did this. I did not authorize these transfers, I did not authorize anyone else to do this. I have no idea who did this. I want my funds {$5000.00} returned to my account. I have hired a law firm to represent me and Wells Fargo has already been served the Legal paperwork to start the Legal Process. I have also Filed a official Fraud Complaint with the Indiana attorney general 's office. I have also Filed a complaint with the XXXX XXXX XXXX.

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 2015-04-07
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC Mortgage Servicer, hired XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ), including but not limited to XXXX attorneys, any to act, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and notary XXXX XXXX XXXX, to stole my home in XX/XX/XXXX I had filed complaints with many agencies, including CFPB, FTC, Texas Attorney General, the trustee for my property, XXXX XXXX XXXX, the law firm, XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ) that PNC hired to steal my home. My image was slandered in the public with a notice of acceleration posted XX/XX/XXXX by attorneys for XXXX, stating they were substitute trustee ; yet it was 7 days later, XX/XX/XXXX, that XXXX XXXX by self appointment, recorded an APPOINTMENT OF SUBSTITUTE TRUSTEE document into the public record. XXXX XXXX is the Trustee on the Deed of Trust. There is no beneficiary. 

XXXX can not perform an act they have no authority to perform. This was the beginning of my nightmare into theft of property by court process and with people pretending to hold a public office but have no oath of office to the public. 

I and my youth were dispossessed, we fled in fear, XX/XX/XXXX, because Judge XXXX XXXX, no public servant of mine, in XXXX County, completed a Writ of Possession and in that writ were instructions for a man with a XXXX to have XXXX XXXX permission to " XXXX and my possessions '' to remove us from the property. 
Where XXXX XXXX had the authority to give a man permission to harm XXXX and my property, I do not know and never consented to her purported authority to steal from me using the business of her court room. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I dispute the PNC Mortgage entry on my credit report of a debt for {$130000.00}. 
When the home was stolen, the claim in the notice of acceleration was {$120000.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PNC Mortgage responds the account closed paid in full, never late, date of status is XX/XX/2007 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have the note marked Paid in Full, that I received from National City XXXX ; I was forced to leave it to leave my property due to the deceptive practices of PNC employees and the employees of law firm, XXXX, including the fraud foreclosure action, all unconscionable actions of PNC employees and the employees of law firm XXXX 
The law firm employees are recorded with the public in the XXXX County court, the law firm employees, have the names of the PNC employees that initiated the theft of property by constructive fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: FL
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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

I understand that failure to investigate these accounts Within a period of thirty days will result in " non-verification '' which requires that the above accounts be immediately removed From my credit File.

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 168lid ) and 16811 - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. look forward to hearing from you soon. 
XXXX XXXX XXXX XXXX

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 2016-03-26
Company: PNC Bank N.A.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
As I attended the University of XXXX in XXXX PA between the dates of XXXX to XXXX, I had to take out a combination of loans, both private and federal. The school was XXXX of the best schools I got into and I did n't have the best grades in high school so when I got accepted and started attending the only thing I cared about was staying there and graduating, which I did and I am very proud that I have. However, the tuition there exceeded the amount of money the Federal Government would grant me in loans, thus I had to take out pricate loans through PNC bank to support the remaining costs. In the end I had about XXXX of private loan debt and XXXX of federal loan debt. The XXXX I have to pay a very high amount, almost {$500.00} per month and I can not change that number, can not refinance, can not renegotiate, and am powerless also on the interest rates since they are variable. I do not make a ton of money each year and in combination with my federal loan monthly fees, the total is over {$700.00} per month in just loans. I work in the XXXX, so I dont make a lot of money. The only options outlined to me was that if I wanted to get a new monthly payment, a lower one, Id have to take out a personal loan through a bank. They would not approve me for a loan of XXXX unless I had collateral, like a house or an expensive vehicle. Ive contacted private institutions, like sofi loans and the quotes of their interest rates are unbelievable, XXXX and up. Id be paying over XXXX if I took out a private loan per month. I am stuck. I find ways to work XXXX jobs to stay afloat and the downside is that if I make too much money then my federal loan payments go up since Im on the IBR and would leave me paying close to XXXX per month in just loans. I find it unfair that students are being put into situations like this because they attempt to get a good education. I went to school for 7 years and at times I wonder if I just stayed out of school maybe Id be a XXXX making close to what I make now an hour, its depressing. Its not fair that the private loan companies take advantage of uninformed students and lock them into loans that are VIR ( variable interest rates ) and despite me paying them back since the end of 2012, never missing a payment mind you, they dont offer me any other possible change to the repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On my cash app someone got into my account and my bank account they took XXXX $ out of someone else account and sent it to mine then had stolen my debit card and used it after sending money to it. So the person is threatening to press charges on me and I didn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with BK OF AMER. 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 XXXX, XXXX, XXXX and BK OF AMER with no successful resolution. XXXX, XXXX, XXXX only reporting me late. There was definitely an error on their part.

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 2022-05-18
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased a home in XXXX and received a small loan ( {$6300.00} ) from XXXX XXXX XXXX to cover the down payment. For the first few years, I made payments on 2 accounts each month with XXXX XXXX XXXX  to cover the primary loan and the secondary loan. 
I refinanced my home in XXXX and expected the small secondary loan would be paid off. I think it was... but I am having trouble getting confirmation of that face from my current mortgage company, Freedom Mortgage. 
I have discovered that no one filed a lien release in XXXX so the lien still appears on my home. 

I have spent more than 5 hours on the phone with Freedom Mortgage and waited several weeks for them to resolve this issue. 

They have not. 

Today I called, left voicemails and sent emails ... no one is answering or responding. I feel like they are blowing me off and no one is taking responsibility for this problem. 

This is preventing me from refinancing my home and has prevented me from taking advantage of a lower interest rate. 

Are you able to help me get a lien release from my mortgage servicer for the loan that was paid off in XXXX?

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 2017-10-29
Company: EQUIFAX, INC.
State: FL
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:
Equifax, still shows XXXX hard inquires, that have been reported as fruard, by myself and the credit card company. But was never taken off. 

Ive tried several times. But unable to reach equifax, customer service.this is the most unprofessional service Ive ever experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: BMW Financial Services NA, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
A credit report was obtained and there was a charge off auto loan from Alphera Finanical Services reporting. The information was not complete so disputes were filed with all XXXX reporting agencies. After several unsuccessful attempts with the bureaus to try and get this information I sent a direct request to the company asking for validation and evidence of what they are reporting to the bureaus. They responded with an acceptable letter stating that they would not send information to a 3rd party. I AM NOT A THIRD PARTY. I am also unclear how with their correspondence stating " IT IS OUR POLICY TO ONLY RESPOND TO REQUEST SENT DIRECTLY BY OUR CUSTOMERS '' are the credit reporting agencies able to obtain validation of this since they are a THIRD PARTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: PNC Bank N.A.
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have a line of credit with PHC Bank and on XXXX XXXX, i went on line and submitted a {$300.00} payment from my checking account to my XXXX line of credit. I made a mistake and submitted to an account ending in XXXX. I called the bank on XXXX XXXX and was told that yes they received the payment and it was posted to loan account XXXX and it would take XXXX working days to make the correction and redirect the payment to my visa line of credit. I have called several times and was told they could not find an account ending in XXXX. I called again today and after speaking to the credit department loan department and someone in customer service I was told that it would take 10 days for them to research, find the payment and credit to my lline of credit. I told them this would probably cause them to charge me additional late fee and interest on the payment. They indicated that since it was my fault by posting to the wrong account that if extra fees were charged that was my problem. I then stated that I sent the payment XXXX XXXX and the payment was not due until XXXX XXXX that even though it was posted to the wrong account why would it take so long to correct to the proper account which is the line of credit. I asked was it because they can not locate the XXXX account where they said it was posted. I feel that I am getting the run-around and they can not locate the {$300.00} payment now even though I was told that it was posted to XXXX and now they say they can not find an account ending in XXXX Need your help in resolving this issue. Thanks XXXX XXXX My desired resolution is for PNC to locate {$300.00} payment, post to my account and not charge additional interest or late fee as I did get the payment to them on time and they should be more careful in looking at account numbers they should have realized that loan number XXXX had been closed for years so why post a payment to this account.

Company response to consumer: Closed
Consumer complaint received 2022-05-18
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We were the victims of fraud, as we fell for a fake loan and used XXXX to transfer funds to the scam artist. US Bank has blocked access to our account, and also is trying to collect on the difference, causing us to look elsewhere for a bank. US Bank has never asked for the emails, phone numbers, contact info, etc. and this has ruined our ability to qualify for many financial services. We were also placed in a situation where we were not able to pay our bills as well. I have tried MULTIPLE TIMES to contact the Fraud Investigation Department, but without result. This has been a very stressful and financially horrible experience.

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 2020-08-08
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I, XXXX XXXX XXXX received a letter from Santander indicating that they did not receive my first payment. However, the payment ( s ) were sent to XXXX XXXX. It has been requested that XXXX XXXX forward the two payments, which exceeds the taxes, title, and tags as well as electronic filing fee amount ( s ) requested. The balance of approximately {$30000.00} should be paid as originally suggester by consumer, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation