BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: PNC Bank N.A.
State: PA
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 XX/XX/22, a full payment was made to my XXXX credit in the amount of {$3400.00} from my PNC checking account. My XXXXl typically is a minimum payment auto pay transaction. I saw this come out and stopped the transaction via the PNC website. The money was pulled out of my account but not paid towards the balance owed to my XXXX. I called XXXX and they claimed I made this payment via their app, even though I didnt remember doing so. I didn't care at this point so i didn't argue that matter, I just wanted either my money back or my balance paid off. I was now out the money in my pnc account, but the balance was not paid on paypals end. I then called PNC, they sent me the ACH transfer information and told me I had to file the complaint through the merchant. I then spent the last year and a half disputing this through XXXX with no conclusion. They deny my claim over and over. During the claim time frame, XXXX has removed the balance on my account but then within 30-90 days, they put the balance back on my account!! This has now happened multiple times over and over again -- I imagine this is putting a huge hit on my credit report as well but I haven't taken the time to look into it. I essentially had to give up with XXXX since I was getting nowhere and called PNC for help again. They didn't bother to help, they just completely denied my claim because its past 90 days and claiming there is " nothing they can do. '' My bank lost {$3400.00} and refuses to find it for me? How does this make any sense? So now I am out {$3400.00} and both of my financial institutes refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: FIRST FINANCIAL BANKSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX Overdraft charges. Charging me XXXX a month due to TIMING. My deposits were there but XXXX XXXX Bank would reshuffle where withdrawals were put before deposits. I changed banks and haven't had OD in XXXX years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
Company: AMERIS BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Company terminated my services XX/XX/2022 says I have to wait 60 days for my funds being held in the amount of {$13000.00} and I have not received my funds as of today XX/XX/2022 I feel as if someone has stolen my money & no one at my loacal branch has help me with account beside saying they are going to close my account, When I walk in branch I also feel as discrimination. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: IA
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:
Credit report is stating inaccurate. Account status reports as Open with XXXX while Closed by Experian and XXXX. Stating a pass due balance and consecutive Charge off as if it was some sort of payment method with missing date account was closed. There is no way that account is Open with one bureau but yet Closed with other two bureaus. Definitely account can not be stating a pass due with consecutive charge off on a dead account. I have not received a notice of sale up to this date. Account is definitely not following accurate protocols and I have the right to an accurate credit report.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
in XXXX i made a request to wells Fargo to change our payment to bi-weekly. I would make the payments as stipulated but wells Fargo would hold onto XXXX payment until the other payment was received. My interest to request a biweekly was to pay off our mortgage sooner. we changed our mortgage to a 15 year loan. On about XXXX we paid off the balance, but I feel we were overchared on interest. 
Please advise and thank you 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 2022-12-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Thank you for this support. In XXXX rounded XXXX owed to Wells Fargo My parents were going through serious health problems and at the same time, initiating family support as in POA and Guardianship, as the XXXX were separated. My mother, whom I have been registered as Guardian, I found had severe XXXX. I had to piece her affairs together as a puzzle. When I worked to manage her bills after her husband 's death a year later, I submitted all documents required as guardian. Wells Fargo was very hard to relate to under the circumstance. Each time I called, I had to go through telling yet another person the hurdles we needed to resolve. I was told a payoff amount for my mother 's truck. I was reading the checking account numbers over the phone to make payment as my mother laid in the bed in the same room. When I referred myself as guardian, the person I was talking to stopped the progress of making the payoff, ended the phone call. I was never able to get assistance after that phone call. None of the associates or rep 's. were helpful. Covid was making it impossible to get help at the bank. Soon after a tow truck came and took the truck. Then they tried to bill her the resale fee 's. Wells Fargo had our files. I am not prepared to upload them today since the XXXX isn't attaching them.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Wells Fargo repossessed my car in XX/XX/2022. I was told that I had to pay a balance of {$2400.00} in order to get the car back. I told them I could pay {$2000.00} that week and that I could cover the rest in 3-4 weeks ( I had just started a new job and had been unemployed for 4 months, and hadn't received unemployment compensation yet ), but they told me that the car couldn't be returned unless I paid the FULL {$2400.00} in one payment. 

Wells Fargo refused to offer any arrangement - I even offered to pay all but {$400.00} of the remaining balance, and my offer was still refused.

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 2023-05-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After having my mortgage at SPS XXXX for 5 Years this company has adopted a new accounting system for Escrow Impound Accounts. Last Year I received my annual accounting statement saying that My Homeowners Insurance went up ( I can not remember how much but it was just a couple hundred dollars or so ). I went ahead and paid that shortage in full to keep my monthly payment from going up. Attached you will find the letter from SPS stating they received the payment and that the account was balanced. This year ( see attached ) they are telling me I am Short {$1700.00}? In reviewing their accounting it is clear my property taxes and insurance went up a combined amount of {$290.00} of which I will pay no question BUT {$1700.00}? When I called to ask why suddenly it's so much after not having any issue for years they told me to see the accounting which I do not agree with. I am off {$290.00} Not {$1700.00} This company needs to be investigated and Fined Millions of dollars. I believe SPS has miss handled my escrow impound funds and now wants me to replenish the account. To have my escrow account balance and in order last year and now short {$1700.00}? NO WAY. This company is Ripping People Off. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Online, on or about XX/XX/XXXX I attempted to transfer XXXX from my checking account at Citizen 's Bank to my son 's back account at XXXXXXXX XXXX I entered all of the requested information and when I clicked on the " submit '' button, I rec 'd an online error message stating that the transaction was denied and that I should contact the bank. I called the XXXX number for the bank and I was told by customer service that the transfer did not and could not go through because my name was not on my son 's account at XXXX. I believed what the customer rep had told me and that the XXXX could not be transferred from Citizen 's Bank to XXXX. I then made other arrangements ( not involving Citizens Bank ) to get XXXX to my son. A couple of weeks later I checked my account online and I saw that XXXX was in fact deducted from my checking account and transferred to my son 's account at XXXX. I called the customer service department at Citizen 's Bank and they confirmed the transfer. The rep informed me that I could file a claim and that I would receive a response in the mail. A few days later I rec 'd a letter from Citizen 's Bank stating that " the claim was closed as per customer 's request ''. I called the bank and filed and filed the same claim and a few days later I rec 'd yet another letter stating that " the claim had been closed due to customer 's request ''. I filed the same claim again shortly thereafter and I did not receive any response. I called the bank on XX/XX/XXXX and filed the same claim again. I have not rec 'd a response from Citizens yet. I would like to get refunded the XXXX that was transferred to XXXX XXXX  without my knowledge and without my permission. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A payment of {$4100.00} was sent to the payment processing center in XXXX NJ it is Showing received & cashed. The XXXX Assistance XXXX XXXX id trying to track down these payments because XXXX refuses to contact their payment center to see why these payments arent applied to my account or sent to the new servicer This Check was sent back in XX/XX/2022 its now going on XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and UNVERIFIED. These accounts have violated my rights! ( XXXX XXXX XXXX  ) ACCOUNT # XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature or I expect these accounts to be deleted within 30 days!!!

FIRST OFF ..THIS COMPANY IS FRAUD!!! THEY CANT VALIDATE THE DEBT BECAUSE ITS NOT MINE!! 

XXXX XXXX XXXX is not XXXX XXXX XXXX XXXX XXXX XXXX accredited. It has a XXXX  rating of XXXX and a star rating of XXXX from XXXX recnt customer reviews. Their XXXX rating is XXXX from XXXX customer reviews. The complaints from these platforms include : Dealing with unprofessional representatives Failure to validate debt after sending a Debt Validation Letter Wrong debt entry to credit report Being contacted for a debt that has been previously paid

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 2022-12-20
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: FL
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:
Based on the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX and XXXX  XXXX Account # XXXX has violated my rights. 

15 USC 1681, Section 602a states that I have the right to privacy.

15 USC 1681, Section 604a, Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Lastly, 15 USC 1666b, Section ( a ) states that a creditor may not treat a payment on an open end consumer credit plan ( credit card ) as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
As of XX/XX/2022, I've been trying to purcase and finance my very first car but my credit is all messed up.. BECAUSE IVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD THE ONLY THING THAT I DO HAVE IS MY STUDENT LOAN THAT I OWE OTHER THAN THAT ALL OF THOSE CREDIT CHECKING PLACES FROM SEVERAL DIFFERENT CAR DEALERS 'I BARELY GOT MY LICENSE LIKE XXXX AGO, THIS IS CRAZY I NEED HELP FIXING MY CREDIT CHECK/SCORE ' BECAUSE IM ABOUT TO LOSE MY XXXX XXXX JOB IF I DONT GET A CAR SOON??

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 2022-12-20
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:
I have submitted multiple disputes and FTC regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please remove the fraudulent items 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 Balance : {$710.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} 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 non-monetary relief
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account # XXXX, XXXX Account # 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 explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX put XXXX a foot of water in my home, and Wells Fargo gave me wrong information. previously reported to XXXX. 

Just adding this to give documents supporting 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 2022-12-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was a victim of a fraud and wired {$110000.00} from my TD bank account. I asked the bank to cancel the wire the next day and refund the money to me. The bank did not take immediate actions despite multiple calls and visits to the branch to alert them that this wire was a fraud. The bank is now claiming that the matter is out of their hands and they can not do anything further to restore the matter. 

The wire was sent through the branch in person on XX/XX/2022. I was threatened over the phone while I was making this transfer, I had my headphones on, and was talking to the scammer the entire time. The bank didnt warn me or ask me any questions and went ahead to process the wire. There was no call back from the bank to verify the legitimacy of the wire either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account is question is a charged-off account that has been reported by XXXX XXXX XXXX XXXX 
I am disputing this account based on violations of the Metro 2 credit guildlines. According to these guidelines, a charges off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. 
After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistant across Credit Bureau 2. Remarks inconsistant across Credit Bureau 3. Times late inconsistant across Credit Bureau 4. Months reviewed inconsistant across Credit Bureau 5.Payment history inconsistant across Credit Bureau Based on these violations, I request that you remove this account from my credit report. I have already contacted XXXX XXXX XXXX and requested that they remove the account, they refused to do so. 
Please investigate this matter and remove the account from my credit report if you find that it has been reported inacurrately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerly,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Wells Fargo Home Mortgage ( XXXX ) since XX/XX/XXXX. Without my knowledge or permission XXXX stopped withdrawing my monthly mortgage payments from the XXXX XXXX XXXX XXXX even though there was money in the account. It then transferred my mortgage to XXXX XXXX XXXX XXXX, which is basically a collection agency. 

XXXX XXXX XXXX XXXX insists it sent notifications to me but I never received anything about this change via the XXXX. I do not have a computer and do not have access to one. My sister found out about the transfer when she called the XXXX XXXX XXXX XXXX in XX/XX/XXXX. By that time, my property was about to be foreclosed. My sister paid the past-due amount of {$3300.00} to stop the process and set up a monthly payment plan to stop the foreclosure.

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