davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (MD)

I've been a customer of PNC Bank for years. I have never in my entire human life had an issue with a bank. PNC bank first charged me 2 or so months in fees while I was attending the death of my brother whom comitted XXXX in XX/XX/2019 in XXXX. We barely had any phone functionality. We have barely any power for the entire country. It made it impossible to call PNC, even though I would try to remote into my desktop at home ( USA ) it was unreliable. I come back in XXXX and talked to PNC on 6 occasions about the fees since my brother comitted XXXX and I was not here they said no problem we will refund you. That was a lie. About 17 hours later on the phone in the 2.5 months since XXXX I have been met with lies, and more lies. I stopped by a local branch in XXXX MD, and spoke to the branch assistant manager who said we are so sorry, she stated she wrote a report to the back office, and that this will be cleared out and that the fees will be taken off, and my account will be in great standing. She said give it about 10 days. She also stated shes never seen anyone have any issues after she submits a report. Its been 1 month now and I received numerous calls from PNC who stated they are attempting to collect a debt. I was caught off guard. She stated she saw no notes about what I mentioned. She stated she will talk to her supervisor and contact me back. I never heard back. They also disabled my online access, and removed ALL my statements - which I need for my taxes. They said I can send them a check in the mail for each statement I request. This is INSANTIY.

The account closure happened while our entire Country is dealing with a global health crisis - COVID-19. How dare a bank take  advantage of this. MY WIFE WAS IN THE HOSPITAL FOR THIS AND I GET CALLS DURING COVID 19 TO PAY SOMETHING I WAS TOLD I WOULD BE REFUNDED?
Consumer complaint received 2017-04-09
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CREDIGY USA CORP. (CA)

While my son and I were backing out of the driveway a towtruck swooped in and blocked the exit. The driver jumped out and started chaining my car to his truck, I got out of the vehicle and approached him and he punched me in the face calling me all kinds of distress. I am a wounded veteran with  XXXX  and a  XXXX   XXXX   XXXX  and having this happen caused all kinds of distress. The driver called me all kinds of names in front of my neighbors and continued to try to tow my vehicle with my son in the backseat. My wife called the police and the police made him release the vehicle to me in exchange for not pressing charges against the driver of the truck. I was left with no options due to the sergeants strong suggestion of not pressing charges. The driver continued to humiliate me in front of my house in the middle of the day, and the police threatened to leave me alone or they would arrest him. To this day I am still embarrassed to be seen by my neighbors. Please help.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (OH)

CONSUMER ADJ CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Has reported a collection action to the CRA 's. The company referenced above has never contacted me via phone or mail to allow the opportunity to rebutt. 

When challenged with XXXX, XXXX has reported that the debt was verified by the company. 

This violates several consumer protection acts and I demand the entry be removed from my credit reports immediately.
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (MD)

To whom it may concern, My name is XXXX XXXX. Im requesting assistance with getting this account resolved. I have been trying to speak with someone however Ive been getting the round around. 

During the pandemic XX/XX/XXXX, I received a letter from SANTANDER CONSUMER offering me an opportunity to settle my account for less than the amount owed. The agreed amount was {$1200.00}. I paid that amount on my XXXX ending in XXXX. It was posted to my account as XXXX XXXX on XX/XX/XXXX I contacted SANTANDER CONSUMER and I spoke with Rep XXXX on Tuesday XX/XX/XXXX. I advised him that I wanted to settled the account based on the letter I received. 

It was understood and recorded, I even spoke my name and authorized the payment to be debited for the purpose of settlement. 

After the payment was taken from my account, I waited for a receipt in the mail along with the letter stating my account had been settled based on then information of the Customer Service representative. 

It never came. I disputed on my credit report and the only thing happened was the amount updated. 

None of my credit reports are accurate regarding Santander, the payment and overall history is inaccurate. 

This account is affecting my livelihood. My employment is contingent on a clean credit file. I can NOT have this account reporting negatively or my employment is in jeopardy.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2020-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (PA)

On XX/XX/XXXX in the amount {$200.00}, I made a final settlement payment on a charge off XXXX XXXXXXXX account acct # XXXX to Radius Global Solutions LLC. Since that time XXXX XXXX has continued to report me negatively to all 3 credit bureaus resulting in a fico  score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the Radius Global & XXXX XXXX receipt to the 3 bureaus to update the correct balance owed or marking as settled i was updated with 2 more months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IL)

Today XX/XX/year> I recieved an email from venmo saying that they will unfreeze my account once I reset my password and emailed them back which I did and they took the red words off my account saying that it was suspended but when I tried to use my account to send my husband {$4000.00} to go towards our rent and bills which is the same amount I sent last to him when my account got frozen but this time when I tried to send him money a message popped kept popping up this account is suspended then I recieved an email saying that they decided to deactivate my account permanently and that I have to wait 180 days to get my money which is not right because I never violated their policy I really need my money so that me and my husband can pay our rent and bills I can't wait no 180 days and what's crazy is venmo team members were responding through email then stopped after I got the deactivation email and so I called their customer service number and got no help and was told to wait a couple of days why when I need my money and it's being unfairly withheld from me like I'm doing something wrong and I'm just using the venmo app to send money to my husband which is considered family isn't that what the app was created for to send money to friends and family
Consumer complaint received 2024-02-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: TRUIST FINANCIAL CORPORATION (MD)

Hello, I am submitting this complaint because of my second mortgage company Truist. 
In which I took out a XXXX yr. mortgage with XXXX in XXXX. My second mortgage has been sold to several different companies and now it's with Truist Bank now. I took a loan out with XXXX back in XXXX for the amount of XXXX. My maturity date for this loan was XX/XX/XXXX. The statements that I was getting were reflecting that I only owe about XXXX in XX/XX/XXXX thru XX/XX/XXXX. Then when XX/XX/XXXX my loan was reset for XXXX. This is a big error and this needs to be fixed. I reached out to Truist they were not listening. I went up the ladder to speak to someone higher up and still no one knows nothing. I did speak to someone in XX/XX/XXXX her name was XXXX and we stood on the phone over 2 hours trying to get this straight. She said XXXX XXXX you are right your last payment is XX/XX/XXXX. Please help me I am being taking advantage of.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. 
Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX-XXXX XXXX   XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

Went to use my debit card and couldnt. Logged into account via my app and it showed a balance of XXXX dollars. The remaining amount in my account showed pending for account closure. I never tried to close my account and Wells Fargo wont give me any answers.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (NC)

Hello! So I logged into my Venmo account off of my fiances phone to send a friend money, and my account was immediately suspended due to suspicious activity. ALL my money is in this account. They sent an email saying to send an ID to verify its me, and I did that. My account has been open for years and I verified my identity when I opened it. I've emailed every executive for venmo and PayPal that I could find, and I reached out to them on XXXX and XXXX. I have to pay my power bill today or it'll be shut off, and I have a XXXX XXXX XXXX that needs things. All my money is in this account and they're saying it could take 7+ days. I can't sit with my son that long without power .... and I have no one in my life that helps me with anything so I'm freaking out big time. Pleaseeeee help me!!! 
My name is XXXX XXXX, and my account name on venmo is XXXX. that's also my email address. Please let me know what to do and I can send you anything you may need to verify my information. Thank you so much.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

There is a collection that is NOT mine, I checked my credit and saw it on there I have a common name and this happens a lot. Please help I don't know what to do
Consumer complaint received 2016-12-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

Got behind on mortgage payments due to paying my daughters tuition and her father my exhusband was late repaying me the funds. He switched jobs and my child support payments were delayed. This caused a domino effect request a modifications and my payment went from {$1400.00} to {$2200.00}. I made the first payment in XX/XX/XXXX the bank took {$740.00} and paid my insurance and {$1300.00} and then stated I did n't meet the payment plan and put me into active Forecloure. Spoke with XXXX this evening in Wells Fargo Home Preservation and he advised he does not understand how the plan was broken because he can see the payment. He advised he would send a note to XXXX XXXX because he is my Preservation specialist and would be able to give me greater detail on Monday. The letter dated XX/XX/XXXX advised I needed to pay {$780.00} to complete a full payment. I received this letter today. When I called the Wells Fargo today the Foreclosure department advised my loan went into Active Foreclosure on XX/XX/XXXX and they are waiting on a sale date. No offer to assist or help me save my home. They just increased my payments to make it unaffordable so I can loose my home when I have told them repeatedly that my intentions are to save my home!
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I have an account with Venmo. I usually use my XXXX bank account to fund Venmo transactions. While out of the country, I added a joint XXXX credit card shared with my parents to my Venmo account. My parents did not recognize the Venmo transactions and reported them fraudulent to XXXX. All the transactions were payments I made to individual persons who are friends. There were XXXX different transactions reported as fraudulent to XXXX. On XX/XX/XXXX, Venmo suspended my account. That same day, we notified XXXX and Venmo that the transactions were valid. On XX/XX/XXXX, XXXX returned the funds to Venmo for XXXX transactions. On XX/XX/XXXX, my Venmo account was unfrozen. XXXX returned funds for one additional transaction on XX/XX/XXXX, and the other two on XX/XX/XXXX. Venmo has only closed one chargeback transaction and reversed the charge to the receiver 's Venmo balance. They continue to state " the dispute status in Pending Processor Response, '' which means we are yet to receive a response from your credit card company with a resolution on this dispute ''. I have contacted XXXX several times. They have stated that they have returned all the funds to Venmo, and the transactions are no longer tagged as fraudulent. I forwarded a copy of a letter from XXXX to Venmo, which states that XXXX returned funds to Venmo for all the transactions and lists each transaction. In an email response Venmo stated " if and when the card issuer provides a reversal of the chargeback it will be reflected on your reporting and merchant account statement. '' As of XX/XX/XXXX, Venmo has not reversed the funds they received from XXXX for XXXX of the XXXX transactions. Most of the transactions were returned to Venmo on XX/XX/XXXX.
Consumer complaint received 2024-02-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Thaxton Investment Corporation (GA)

I applied for a personal loan at Southern Finance XXXX XXXX XXXX, XXXX, GA on XX/XX/XXXX with XXXX for {$1700.00} Contract # XXXX. She asked my Name, SS #, address, Phone Number, etc. and what kind of Car I drove. Once the application was completed she asked that I move to another cubicle to view the contract on another computer screen so as to sign it as she scrolled through it rapidly. I asked for a printed copy. She said we could do it on line. I since have found out she listed my Automobile a XXXX XXXX XXXX XXXX XXXX on this loan in the Security Agreement, turning it into an Auto Loan where I applied for a Personal Loan. This Auto is financed at XXXX XXXX XXXX XXXX who holds the title. She has created a XXXX mortgage on my automobile. I met with XXXX XXXX Branch Manager 3 days ago and she would not remove the Auto from the loan, or reissue the citing I could only have XXXX loan with them. She was incredibly difficult to deal with. I called their home office at XXXX speaking with XXXX filing a report on this XXXX mortgage auto loan created by their branch who refused to remove my Auto from the personal loan I applied for. He said I would hear from a Regional Rep in a few days. 
These people would steal your eye balls from your sockets while you talked to them!
Consumer complaint received 2020-06-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

XX/XX/XXXX Missed loan payment, XX/XX/XXXX applied for Forbearance. XX/XX/XXXX Forbearance granted. XX/XX/XXXX Attempted to make all payment and cancel forbearance. We spoke to a customer service rep and made all past due payments, however due to his error of under charging us by {$6.00} our XXXX payment was put in a " holding account '' until we called on XX/XX/XXXX because account was still showing default online. XX/XX/XXXX Called and spoke with a supervisor that explained what had happened also again canceled forbearance and set up autopay for XX/XX/XXXX and all future payments. XX/XX/XXXX received an email that autopay is setup. Online account shows autopay setup, still shows account behind, also shows active forbearance. We sent numerous email message, called and could not get a live person, we even asked for a call from a live person with no response. Our credit is showing we are 7 months past due on our mortgage. XX/XX/XXXX We made an online payment because our credit union does not show a draft. We called and actually got a representative ( loss mitigation ) haha because we are calling about what they still list as a past due account. XXXX helps with problem assures us that account is current and transfers me to customer service for help with credit issue and letter for auto finance letter because XXXX XXXX has rescinded their offer on a car we purchased on XX/XX/XXXX due to " delinquent mortgage ''. Customer service XXXX states she can not help. I do have all documented email from loan care and rescinded offer from XXXX XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (MD)

Credit Karma shows Excellent approval ratings for a loan with XXXX so I took the offer for pre-approval, then applied and I was " approved '' The loan provider XXXX then requests a bunch of documentation ( All of which supported my loan application details and then they said my loan was denied, I could apply again in 30 days, and that I could not discuss why after providing all of this personal documentation that my loan was denied. 

Typically, once you get to the point of needing to provide physical documentation. - You're contacted by the loan provider if something on your documentation or in your banking that you've provided is incorrect - They did not do so. I called and they said there's nothing they can do for 30 days. 

Process : 1. Credit Karma shows excellent odds 2. I click take offer 3. I go to the website and it says submit your application with no impact to your credit 4. I get my loan terms and rate 5. If you accept, we will run a credit check 6. Asks for documentation to be provided to recieve funds 7. Application denied based on their 4-tier factors Of those factors, all 4 can be found via credit consumer reports - The reports they used during both the credit karma soft pull and then the XXXX soft pull. This inquiry should be removed and their practices should be investigated. Telling people that " Checking doesn't impact credit score ''. on two occasions and then denying a loan after two seperate checks without explanation seems like a way to have people apply over and over for the purpose of potentially being able to get a loan out to someone with millions likely racking up inquiries based on this.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/2028 charge was debited to my account which overdrew it by {$58.00} between the XX/XX/XXXX and the XX/XX/XXXX which is nine days I received three separate charges for this one {$58.00} charge. One {$37.00} overdraft to sustained overdraft fees of {$30.00} each and just nine days. Then on XX/XX/XXXX I had a {$20.00} charge debited to my account this charge was expected but because of excessive fees of sustained overdraft charges that come every three or four days which made it out of my reach to catch up. So then on XX/XX/XXXX XXXX made his own decision to charge that card with the charge had not originated from a {$5.00} charge which gave me another {$37.00} fee saying day XX/XX/XXXX I received two {$30.00} charges for sustained overdraft on the same day. Not taking in consideration what our country is going through and the people are going through at this time during the pandemic they are aggressively and excessively pushing this sustained overdraft fee more than anyone else. I am on Social Security XXXX and my income is what I have lived on prices have doubled for food and everything else I had to expected charges get or debits that I could have managed some banks let you see them before they post and if you get there that same day and make a deposit it is fine. This aggressive fee scales needs to be impressed when you get to charges in the same day during the middle of the worst health and economic crisis of our lifetime they should be a little more lax with some of these fees to represent some kind of an American compassion and spirit all my debts get paid every month but these fees are not right. So for a {$83.00} amount of debt they stand to collect {$200.00} and possibly another {$30.00} before my check comes again I have no way to make that money up during this crisis. If they were working with the American people this would never happen. It's almost like one of those scandalous car towing lots where they pick up your car for violation and add so many excessive fees every day to you can even afford to get your car this needs to stop
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I opened a business account in XXXX. Wells Fargo closed my account because of their internal error. They did not do the proper paperwork and corporate office closed the account. The local branch received at least 8 notifications that there was something wrong and never reached out to us to fix it. They closed the account and supposedly sent a check out for XXXX XXXXXXXX on the XXXX. I still have not received this check. I have tried multiple times to get them to fix this and it still is not done. They are holding up the process of this building by not having the funds in my account to run my business. The local branch refuses to escalate the complaint. I have been lied to multiple times about fixing this problem.