BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, I reached out XXXX  to closed services towards credit building because the company advertised if used your credit score will now then increased. However, this wasn't the case. XXXX reported to the Credit agencies on XX/XX/XXXX when it was supposed to be reported on the XXXX of each month according to their policy also I haven't owed them {$40.00}. XXXX offered a self credit building option where you can use a safe credit credit building where consumers would have the option to automatically transfer funds from checkings to fulfill any amount owed if any balance accord. However I didn't have any balance owed because I transferred XXXX towards the beginning of that month. When XXXX reported to XXXX  my credit scored plummeted 48 points. XXXX never mentions consumers credit score have a chance of decreasing if used their services during reporting. I have called XXXX to close the account and requested to delete the account from XXXX and stop reporting from any other Credit Agencies such as XXXX  and Experian. Afterwards I dispute the information with XXXX XXXX. After disputing with XXXX  the account Still Remains on my credit report which doesn't give me accurate reporting not did the Credit Reporting Agency restored the 48 points that were lost despite telling them of my circumstances. After closing the account and no longer using their services XXXX still Goes forth with reporting to XXXX  and Experian despite if the account is no longer open several days, after.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Credova Holdings Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I purchased a American Eskimo from a pet store in XXXX at the very start of what would become the COVID pandemic and was told that I could get a loan with no interest on the dog. I was guided through the application and signing at the desk with a staff member who did not show me any paperwork, said everything to me word of mouth and instructed me to sign documents that were not viewable until after everything was done. They completely lied about how the entire operation worked. My plan was to get the puppy and then use my tax return to pay off the sale amount around a month later. When I called Credova to pay off the dog they told me that I had to pay well over XXXX dollars with a XXXX sale price. I tried to return the dog because I couldnt afford it but they told me that I will still be responsible for the entire amount and that I was leasing the animal. I HAD NO IDEA this was never shown to me or instructed until after my paperwork was sent after the sale was done. 

Fast forward until now, Leasing animals in Virginia is illegal ( i was not aware ) they have sold my account to collections, XXXX XXXX for a amount owed of XXXX. This is absolutely frivolous and new to me against the law. The contract I viewed clearly states I am leasing which is clearly illegal. I am terrified this will go on my credit or I will continue to be harassed with letters after I told them I was taken advantage of at the store and could not afford that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Some time around XXXX, my office manager applied for an American Express Centurion credit card for my company ( a corporation ). We have used this card for about 25 years, until XXXX of XXXX when my company was forced to declare bankruptcy and filed for XXXX XXXX Among the company 's creditors is American Express. 
Starting in late XXXX, I started receiving calls from someone named " XXXX '' ( he would not give a last name, nor address or email address ), claiming he was from American Express and claimed that I had personally guaranteed the AMEX card and AMEX wanted the balance of approximately {$25000.00} at once. XXXX directed me to the AMEX website where I would see that I was responsible for my corporation 's debts. Because the website was a generic agreement with no specific reference to me or even a website that i had reason to believe had the same requirements as when my office manager applied for the card 25 years ago. Therefore, I requested that XXXX provide me with documentation of the fact that I had guaranteed the card ( i.e., that I would be personally responsible for the balance if my corporation could not pay ), along with my signature agreeing to the conditions. After several additional and acrimonious calls, XXXX said I would receive some information, which arrived in the mail last week, although again, this was just a form. I need to see something that has my signature guaranteeing that I am responsible for any debts, regardless of the bankruptcy of my company ( the holder of the AMEX card ). 
I was advised by a third party to contact " AMEX Special Research '' ( see attached file ) and supplied with a fax number ; however, the fax would not go through, so I mailed the fax to a physical address, but so far, no response. 
I would like to resolve this issue because XXXX becomes more threatening with each call, to the point where it is becoming frightening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Trans union I never apply or do business with this company XXXX XXXX XXXX they report a collection to my credit for {$590.00}. This collection do not belong to me need to be removed from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX I never do business with this company they report a collection from my credit for {$1600.00}. This account do not belong to me need to be removed 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: Synovus Bank
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am contacting you regarding Synovus bank. We have had issue after issue with them. We refinanced our loan on XXXX XXXX, 2022, and agreed that we would have a XXXX grace period for payments. They wanted a definite date. I told them the XXXX. Of the following month would work, so they were to move the payment forward to the XXXX. When we made a payment on XX/XX/XXXX, they sent us a finance charge for missed payment for XX/XX/2022, when we still did not have a loan with them. After numerous phone calls and emails, we resolved that problem in XXXX 2022. They also made us open an account in their bank in order to get the loan process going of XXXX. 
New current issue : When we refinanced, they provided a list of insurance requirements they wanted for the loan. Before signing the docs, it was fine, and we were ok. Then in XXXX, they contacted us to add flood insurance. Although we are not in a flood zone, I agreed as the cost was minimal. Then in XXXX, they contacted us again and requested we buy wind insurance. The cost is almost XXXX a year. I told them that we were not asked for this closing, and it is an additional cost as we have a concrete building. When costs come down, we would purchase the insurance and cancel the insurance policy they had taken out. This is a very deceptive practice. As if we had known this, we would have stayed with the old lender. I explained to them the state of Florida does not require wind insurance in loans. They are forcing us to buy insurance we were never told that was a requirement. If we had been aware of this, we would not have refinanced. 
We sent them a letter requesting to cancel the insurance and to wait as we would make an effort to find better-priced insurance with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: IN
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:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX  Date of Inquiry XX/XX/2XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/2023 XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-11-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
My Wells Fargo credit card was hacked so a new card was issued. The old card had an end of cycle balance of {$570.00} ( XXXX XXXX ). I paid my account balance in full, INCLUDING the previous balance of {$570.00} with a payment to Well Fargo of {$2400.00} on XXXX XXXX. In spite of the previous balance being paid in full, the {$570.00} previous balance was transferred to my replacement card on XXXX XXXX. 
I spoke to XXXX different people at Wells Fargo by phone with no resolution. They forwarded it to their " Escalations Representative '' who claims to have called my wife this morning, but we have no record of any such phone call. He closed the case XXXX hours later with no further attempt to contact me. They had my phone number available as well as my wife 's number. 
I am quite frustrated at Wells Fargo 's failure to resolve such a simple issue, their attempt to double bill me, and their failure to contact me before closing the case.

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 2023-12-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a pamphlet from XXXXXXXX XXXX  regarding a promotion bonus. It stated that by opening a checking account with a certain amount and maintaining it for a specified period, I would be eligible for a bonus. On XX/XX/XXXX, I opened a checking account and deposited {$75000.00}. According to the agreement, I should receive a {$1000.00} bonus approximately 3 months later. However, they have not issued the bonus yet, and every time I call, they only say that they are still investigating. 
I just had a conversation with XXXX XXXX, and when I informed them that I would report to the Consumer Financial Protection Bureau ( CFPB ) if they didn't provide my bonus, they just forcibly closed my checking & saving accounts.

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 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a Bamk of America Transfer Order in the amolunt of {$150000.00} US. I thought this looked to be a scam so I investigated it by several emails to XXXX XXXX, Executiver Vice President of the Bank of America Escrow After many emails in the months that followed I sent her a form to comfirm this was real. I asked her if it was fraud not to sign it. Also that if it turned out to be fraud later, she would have to pay for this from her own funds, thus guaranteeing the funds would be sent to me. This was on XX/XX/XXXX that she sugned and returned it to me. I was requested to pay {$2800.00} US to XXXX XXXX XXXX XXXX. I paid {$1000.00} on about XX/XX/XXXX and the balance on XX/XX/XXXX. Aftere many, many more emails to her requesting my funds be release and paid to me, I got a message from her on XX/XX/XXXX stating that they totally agree with the guarantee that was signed, that the money is only waiting for the payment to be released. Being it is impossble to make any more payuments from here, can not do a bank transfer etc, I requested any furher charges be deducte from the transfer. Many more mails were written, threats were made to have the Bank of America math any funds transferred out of that bank, and other things. Now she won't even answer my emails, the last time I tried to write to her I got an error message saying my message was not delliverable. I never received any money whatsoever, My local police department declared this to be fraud. I have lost the {$4000.00} US plus the funds promised to me. i am a XXXX citizen living in XXXX. If more information is requred please email me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: LEXISNEXIS
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted LexisNexis via US Postal mail and Fax. LexisNexis claims its been verified the XXXX  XXXX on my public record as Accurate and True. This is a LIE.

I have a letter directly from the NJ Federal Bankruptcy Court saying they report to NO ONE!!

LexisNexis cant produce evidence that they have been working directly with the NJ Bankruptcy Court regarding my XXXX XXXX inaccuracies.

The public record must be removed per the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
They took my truck

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 2023-12-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
To whom it may concern : On XX/XX/XXXX I paid my bill under the above account number via the website. In my haste to pay my bills, I inadvertently selected the wrong account to pay the bill for XX/XX/XXXX. I was alerted to this minor discrepancy via a letter on XX/XX/XXXX that the payment was returned due to insufficient funds. I quickly got back on the website and set up a new payment with the correct account. The payment was submitted with more than enough time to keep my account in good standing with no late payments. As of XXXX XXXXXX/XX/XXXX, I was alerted to a major decline in my credit score and a repotted bounced check on my score. In looking into this I found my credit limit was decreased well below what the balance is on the account in what I can assume is a punitive measure on the bank 's part for an account that is in good standing and has never been late. Further, this oversight could have been fixed with a phone call or an email given the time frame of the due date. Today I called the customer service line at XXXXXXXX XXXX After a long hold, I talked to the first call taker XXXX XXXX XXXX ) who could offer no rhyme or reason as to why my account was treated in such a fashion. XXXX then put me in touch with XXXX who stated she was a supervisor. XXXX couldn't care less what I had to say and offered nothing but to call the credit department and seek to increase my credit limit which is counter-intuitive to keeping a good credit score. XXXX then hung up on me without even connecting me to the credit department. I then spent the next hours trying to get back in contact with someone that would help me. After XXXX separate attempts with an hour hold and one transfer to the mortgage department, I was connected with XXXX. XXXX unlike XXXX had the decency to listen to what had taken place and at the end of my explanation of what had taken place was baffled as to why the bank and its systems would have taken such a punitive sentence for an account in good standings and that has never been late. XXXX provided me with the format to seek upper management and connected me to the credit department and to XXXX. XXXX, like XXXX, was unprofessional and offered no meaningful customer service. In closing, I hope whoever in upper management can fix this unfair reporting to my credit file and dreadful customer service that cost me XXXX hours of calling time. Now my credit file is dinged XXXX or more points and the bank has turned my credit on this account 109 % over limit for nothing. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
{$9500.00} was taken out of my Bank of America checking account via bill pay to another Bank of America Credit card owner 's account on XX/XX/XXXX. 

I noticed the mistake or fraud charge against my account on XX/XX/XXXX. I called Bank of America and reported the charge the same day. I was told to wait 10 days for a response. I called back 10 days later and was told my claim was denied due to it being filed to the incorrect department. It was supposed to be sent to the electronic bill pay department. I was told it was resubmitted to the correct department. 

I called again on XX/XX/XXXX to be told that my claim was closed due to there being evidence that I submitted the payment from my phone. I did not submit any such payment.

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 2023-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One - Hard Inquiry Identified a wire transfer to being improper, this was done by a person who authorized the transfer into my account. Now this hard inquiry is being held until XXXX. This wasnt my fault and I was being held accountable for a wire transfer made into my account by the approved partner. Realizing they were trying to negate their claims, Capital One has since been able to report any updates or issues from then on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accounts for XXXX XXXX ( credit and debit/checking ), XXXX, XXXX ( commenity cc ), Capital One ( credit cards ), several other accounts have been opened under my name using my stolen SSN, and previous addresses and phone numbers.

This has not only brought collections actions against myself but also legal problems. As information for third parties has also been stolen an used

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: NC
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 XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX********, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, Dept of Ed/XXXX..Account # XXXX, XXXXXXXX Account # XXXX XXXX XXXX Account XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My name is XXXX XXXX. I am a good XXXX and just graduated from XXXX School and started my first year of university. I have a long way to go and I lack much financial knowledge very financially incompetent. I was trying to pay for my school by XXXX XXXX. A scammer took advantage of my situation and scammed me by giving me a fraudulent check. I know this happens more often, but I am a VICTIM. And now I feel that Ive been taken advantage by JPMorgan Chase ( Chase ) and XXXX XXXX XXXX XXXX ( XXXX ). When the bad check was deposited into my Chase account, it was on hold as should be, to validate that the other financial institution ( XXXX ) had funds. So when the check cleared BOTH FEDERALLY INSURED banks were responsible. However, Chase took money back a week later and left my account overdrawn and put the blame on me. Chase should've escalated and fixed it with XXXX - not blame me. Now they want me to be sole VICTIM in this situation. Is this how they treat our future Americans? 

Hiding appropriate disclosures, not being clear and leaving me to hang. I have no money now to pay for school or gas or food. 


Chase and XXXX should individually or together reimburse for my loss, as they are federally insured. Dont let the consumer be the victim again. A police complaint was filed on XX/XX/19 ... .. XXXX check - Post date XX/XX/2019 Check # XXXXCheck amount {$2700.00} Account # XXXXRouting # XXXX

Company response to consumer: Closed with explanation