BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX I took a HELOC with a bank for {$490000.00} in XXXX i defaulted on this loan as per advice from an attorney in order to receive lower payments. In XXXX they put a sale date on my home. I filed a XXXX XXXX XXXX and agreed to pay {$690000.00} over 5 years, 12 months into my payments I was told by the bankruptcy trustee that she will be dismissing the case, because the amount is now higher, I was stunned at how the amount could suddenly be higher after a judge approved my bankruptcy payment plan, at this point in time I try to obtain a payoff from loan care to pay in full, They gave me a payoff letter stating my amount was now {$720000.00} I was shocked that the amount has yet again gone up, but I decided to wire them the money and close the whole situation for good, I wire them the amount in full on XX/XX/XXXX and now today XX/XX/XXXX loan care reaches out to my attorney and says that the amount has gone up again!! This is a scam and they are trying to take my house. We need help please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited XXXX different checks totaling roughly {$160000.00} on XX/XX/23. We have have had deposit holds before ( every once in a while ) but surprisingly all XXXX checks were put on hold until XX/XX/23, including a {$50000.00} cashiers check! I also deposit millions of dollars of checks every year, so this was a shock to say the least. 

I tried contacting Bank of America see what their reasoning was for putting a hold on XXXX individual checks all at the same time. I spoke to a manager, and they had no clear explanation or logical reason that could ever possibly apply to all XXXX checks. I have many people to pay before the hold is released, and this is quite ridiculous that they can put a hold on these many checks all at once.

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 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX  I attempted to stop a XXXX payment to a scam artist. BOA is telling me that they do not know where my money ended up. They have no traceable records that indicate when the money goes once it leaves my account. This makes no sense! 
I sent 3 payments to this scammer and the bank just needs to share the destination bank with me and the FBI can find this scammer. 

The total amount is {$2100.00} The bank has this information and need to share it with me immediately!

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 2017-11-16
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:
I 'm beyond exhausted trying to get Experian to correct the numerous errors on my file! 
I 've called them several times and written them as well. I have all supporting documents that back up my disputes I have sent Experian my police report and all other documents to have them look into this matter. Experian is reporting accounts that I have no knowledge of and that do not belong to me. Some of which were previously deleted and reappeared! When I complained through the BBB they stated they could n't find my file in their system. My Experian file number is XXXX. The accounts are the following listed : XXXX XXXX, XXXX, XXXX XXXX and XXXX. XXXX XXXX is absolutely inaccurate! This debt buyer was sending me fake robo-signed court documents which I hired an attorney for and they were served a cease and desist order! Experian is taking a huge risk being that portfolio recovery was ordered by a judge to terminate false reporting. The CFPB sued XXXX XXXX ( File No. XXXX ) where XXXX XXXX was ordered to pay {$19.00} XXXX in consumer relief and {$8.00} XXXX in civil monetary penalties. XXXX is still falsely reporting for an account I never had! This is my final warning to Experian as they have ignored my disputes. Experian needs to remove and delete the accounts disputed. Experian has violated the laws of the FCRA where it states they 're suppose to block and delete accounts opened as a result of identity theft within 15 days! I 've notified our city attorney general 's office and I 'm willing to talk to the media about this! This complaint acts as my final notice before I take legal action. To ensure compliance and to halt a lawsuit I will take against Experian ; Experian needs to respond to me within 15 days. Failure to do so will act as evidence of Experian 's infringement upon my legal rights and I will immediately seek legal avenues to remedy this situation.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 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 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 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

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXXXXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Closed XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed

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 2024-01-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Im having an issue of getting my Chex Systems Consumer Report. I need a copy of my Chex Systems Consumer Report. Full Name XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-11
Company: Affirm Holdings, Inc
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account in question violates my rights as a consumer and pursuant to the legal authority 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ) as the consumer reporting agency, you have failed to uphold your legal responsibilities. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, this account reports alleged late payments that have not been verified or proven per to the legal authority 15 U.S.C. 1666 ( a ) and ( b ). As a result, and pursuant to the legal authority 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) the consumer reporting agency shall promptly delete an item found to be inaccurate, incomplete or can not be verified. The reporting of negative transactions pertaining to this account violates 16 CFR 313.4 313.9 without my permission and portrays me in a false light without proof of claim. My Account Name and Number : AFFIRM INC ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i never agreed to pay minimum payments ever. this was a promotional offer done thru an agent i agreed to pay whole balance off within promotional period with no fees no interest. 
i have had promotional offers before with XXXX XXXX  no problems but someone somehow made it so i ended up paying a double for tjhe item. including XXXX still due this will ruin my credit please help

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 2023-11-28
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
From XXXX I have been in and out of incarceration with some with time length in between these years. My fianc and I were Car Theft Victims in XXXX  which exposed my personal and business identity. Due to these situations and unfit and unsecured environments of incarceration along with the strong possibilities of my sons mother and daughters mother having my information, Im convinced my identity has been compromised and exposed to identity theft. I have filed Identity Theft with Federal Trade Commission through XXXX. I have accounts that Im unaware of along with inquiries addresses and negative accounts on my credit that I need to resolve. I am in an era of my life where Im investing personally and in business. This is taking and having an affect on my everyday living. I would like to have these removed and resolved as soon asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check in XXXX to XXXX, a yard service, for XXXX. It was stolen, possibly from my mailbox, and altered to {$5100.00}. XXXX Bank accepted the check, and the funds were taken from my account. I've been working with Wells Fargo for XXXX months, but they have not refunded the money. Wells Fargo says they must wait until XXXX pays them, but I do not believe that is legal or proper. 

My Wells Fargo claim number is XXXX A letter from XXXX lists a " XXXX '' number, which XXXX be related to my claim. it is : 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 2019-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX : The initial problem that started this spiral down effect in NSF and Overdraft fees to my checking began as a result of two ( 2 ) Spousal Support payroll deposits of {$110.00} each that I made through the Bank of America Mobile Banking App. 
These checks are always in same amount of {$110.00} and the maker is XXXX XXXX XXXX. I usually have deposited them once or twice a month for several years. 
However, this is absolutely the First time that Bank of America has taken such a stringent position and placed a ten ( 10 ) day hold on one of these checks and it was not released until XXXX. The only " inconsistent response '' that the bank told me is that they had a " suspicion '' that the check may be returned for Non-Sufficient Funds. This has Never happened, and 10 business days is an  exceptionally long time to place a hold on a check of {$110.00}. 
This hold caused so much chaos to my account. I was transferring money from another account. I took out a " Pay Day Loan '' to avoid the " Massive Amount of Fees '' that were still accessed and " unfairly '' deducted from my account. 
XXXX = {$35.00} NSF and XXXX = {$35.00} Overdraft. [ Only One Example ] Although my other monthly electronic check was deposited on XXXX my checking account NEVER recovered from XXXX as a result of Bank of America charged me an " excessively burdensome total of {$630.00} in " unfairly assessed fees from XXXX thru XXXX. As a result, my checking account for XX/XX/XXXXwas already in arrears of $ XXXX as of today, XXXX, I only have {$69.00}. 
It is very difficult to follow the transaction history. For instance, on XXXX my purchases were shown as pending : XXXX XXXX : {$9.00} ; XXXX XXXX : {$2.00} ; and XXXX XXXX : {$77.00}. Then the following day, XXXX these same transactions were deducted again - XXXX XXXX : {$9.00} ; XXXX XXXX : {$2.00} ; and XXXX XXXX : {$77.00}. This types of " double postings '' further overdrew my account. I wrote one check # XXXX for {$36.00} on XXXX and I was charged {$100.00} in NSF fees : XXXX = {$35.00} ; XXXX = {$35.00} and XXXX = {$35.00}. My statement ends on XXXX so the 3rd NSF fee is NOT reflected. " Electronic checks were posted paid and I was charged Overdraft fees and then these same Electronic payments to my creditors would be returned and then I would be charged NSF fees. '' This is a time when I truly feel that my small checking account was " financially manipulated and abused '' and I was " unfairly assessed '' and now I have only a Small Amount of Money = {$69.00} and it is just XX/XX/.

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 2024-01-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I did receive XXXX  envelopes addressed from Wells Fargo, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX recent time after I did apply very important, and to legal type business, concerns include injury claims, and error remedy. 
Both envelopes were in fact addressed to me, although one was addressed to me at an physical residence, XXXX XXXX XXXX XXXX XXXX XXXX and the other, to correct applied address informed to Wells Fargo , XXXX XXXX XXXX XXXX XXXX XXXX ; The XXXX envelope, sent to XXXX XXXX XXXX, was postmarked, XXXX XXXX XXXX and the XXXX envelope sent to XXXX XXXX XXXX, was postmarked XXXX XXXX XXXX. Because of these inconsistent to fair apply addressed, mailed envelopes to XXXX  personal legal business jurisdiction, " I was deeply caused to occur injury, and inconvenience, additionally to the other prior instances, where Wells Fargo did cause me injury, that there has been document to, and although therefore at those prior other times occur injury me by Wells Fargo fault, the here above mentioned incident now has occur a serious issue cause of action complies legal to and " assault jurisdiction '', since within the prior sent to assist remedy jurisdiction ask " injury claim '' documents, did contain an XXXX page, XXXX XXXX XXXX attachment explain for regards I have been suffer XXXX upset my VA diagnosed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by numerous Wells Fargo 's , wrongful, to malicious acts apply, and now I allege accords this facts, that Wells Fargo , did knowing that for I was suffer XXXX  condition, did intend on mine here occur injury, inconvenience, even 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 2023-12-11
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX My mailed payment was received at american XXXXpress> Butr, once again my payment for XXXX was credited for XXXX instead of XXXX. Now, american express want me to make another payment for XXXX, which I already paid, I make my payments, as a XXXX  person, on the first of every month. I can not continue to make XXXX payments every month, instead of the normal XXXX payment a month. Nothing I do, seems to work with american express, The last time I contacted you about this problem, you were unable to do anything about this problem. If Iam wasting my time submitting this report, because you can not do anything about this recurring problem, please inform me and I will stop submitting a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I received an email from XXXX stating someone had purchased a XXXX XXXX on my account. Hadnt used XXXX in over 10 years. I didnt respond to the number in the email I went on XXXX and looked up how to report fraud on XXXX . I called the number on XXXX and told them about the email and that I hadnt used XXXX in years.He informed me that there were two other charges on my account, one in Texas and one in Ohio.He said I would have to pay the charges and then they would refund my money.He explained the other purchase for the XXXX XXXXXXXX was the most important because it was bought in my name and Im liable for anything that happens with it.He then had me down load an app on my phone called XXXX and that would help him secure my account .After I did that he had me go to my Wells Fargo app and had me add my debit card to PayPal.Then he had me transfer money to my XXXX XXXX account. I tried and the first two times my card was denied but the third time it went through.I still have that {$190.00} in my XXXX  account.Then he had me buy two gift cards from XXXX and send them to myself, XXXX canceled the transaction because of fraud .Then he had me XXXX money to XXXX XXXX XXXX and that wouldnt go through so he had me send {$500.00} to XXXX and that went through. I was getting suspicious at this point but I was tired and had missed my medication so I kept going.He kept assuring me that these transactions would all be reversed 10 to 15 minutes after we finished.He had me go back to my Wells Fargo app and activate wire transfers.He had me wire {$3600.00} to XXXX XXXX Ebersole.After this was done he said everything would be back in my account in 10 to 15 minutes.He asked me to keep the app on and he would call back in 15 minutes .I had been on the phone with him for 5 hours.I called my bank as soon as he hung up and they informed me it was a fraud.While I was on the phone with the bank filing a claim I deleted the app.While I was on the phone with the bank I had over 10 missed calls from him on all different numbers.It took an hour and a half to do the claim.She cancelled the XXXX for {$500.00} and said the wire transfer was still pending and it would stay like that for a couple days.She said the claim would take 7 to 10 days.When I got off the phone with her the guy kept calling on different numbers until XXXX.I answered once and he wanted me to put the app back in which I declined.The original number I called was XXXX and the website was taken down 3 days later.I have screenshots of the website and the transactions if needed

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