BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been an American Express member since 1983, I have a XXXX American Express XXXX XXXX ( for which I pay a stunning {$5000.00} in and I have spent more than {$3.00} million on the card in the past few years- I had thought I was a good customer. I even have a dedicated line ( XXXX XXXX XXXX ) which is supposed to reach my " XXXX XXXX XXXX. '' I called this evening ( XX/XX/XXXX ) at XXXX XXXX and was on hold for 21 minutes before the phone went dead. In short, it is impossible to reach " dedicated '' customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my loan on XX/XX/XXXX. As part of that I was entitled to a payoff statement, cancelled note, and escrow refund of {$4100.00}. I have not received any of those items, although I did receive an escrow disclosure statement confirming that I was entitled to the refund on XX/XX/XXXX. As of XX/XX/XXXX XXXX is refusing to reissue a check ( they provided me a tracking number indicating that it is " lost '' in the mail ). They have indicated they will not consider reissuing a check until it is lost in transit for more than 30 days. I don't believe this complies with the rules of timely refunding my escrow, considering they could easily cancel and reissue the check if it is in fact lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a BOA customer for over 15 years and recently was approved for a zero-interest offer. I attempted to set up automatic payments as has always been an option. I discovered that BOA has changed their policy and no longer offers " custom '' payment amounts.

The 2 options they offer under automatic payment is : 1. minimum payment 2. full balance This means if you have a balance of say, {$4000.00} and you have calculated that by paying {$270.00} a month, then the full balance will be paid in full by the end of the promotion. BOA ended this option and forces to either pay minimum or full balance. The other option is to log in monthly and pay the desired amount to ensure the full balance is paid off by the end of the zero-interest promotion. This is set up on purpose to hassle their customers into just making minimum payments in the hopes they will fail to long in monthly to pay the " extra '' to have the balance paid in full by the end of the promotion. 

This is WRONG and they know it, thus I will manually go to pay the amount monthly to ensure the full balance is paid off at the end of the promotion. 

SHAME on you BOA. 

I feel as though this is intentional and predatory to their customers.

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 2021-05-05
Company: AmeriHome Mortgage Company, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is against Amerihome Mortgage. I purchased a home last year, within months Amerihome had purchased my mortgage on the secondary market.

Almost immediately Amerihome stated that I had an escrow shortgage, and increased my monthly payment. Very odd since it was a brand new loan. In the explanation from Amerihome I noticed they planned to disburse my property taxes a month early, which was not how the original lender calculated my escrow.

My first call to look into this was nearly 45-minutes, when someone finally answered the person told me that they were severely short staffed, and that they were actually a tech help desk person just helping out for the day. They said they had no idea how to answer my questions and directed me to call back another day. 

I called back another day and made it through another 45-minutes of menus and holding, only to have the call dropped by them. I called back, and after maybe 20-minutes got a person. This person told me that the escrow was what it was, and that there was nothing he could do. He could not explain why it changed, even though it was a new loan.

I accepted this, and let it go.

Several months later I take out another loan on a different property. Once again Amerihome purchased the mortgage on the secondary market. And now three months later theyve raised my escrow again! 

It seems odd that theyve purchased two of my mortgages within a few months, and raised the escrow amount on both properties. 

Are they doing this to other people? It doesnt seem right that they are able to purchase a brand new loan, and then change the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NY
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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: CORELOGIC INC
State: NV
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-04-26
Company: Western-Shamrock Corporation
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Western Shamrock has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: FL
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:
My sister and I are XXXX and somehow our credit scores are merged. We have similar names and have worked at similar locations, lived in the same home and attended the same schools. I am currently married, trying to find a house and purchase a car in the next few years, but her credit card and student loans are negatively affecting my credit score and preventing me from doing anything. The credit bureau companies XXXX and Equifax sent out letters with all the information and credit lines associated with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet has disabled their phone line and shut down all comments on their social media. 

If you call Nelnet the automated phone tree has been replaced with a high pitched squeal. 

This is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since, XXXX, I've been having problems logging into my online Bank of America account via the app or XXXX. It seems I'm blocked from the app ( see images ) ; and online everything pops up in html format. 

So, I walked into the XXXX, FL branch and brought this issue up to XXXX. She is my witness that I had to uninstall my BOA app, download it again, use the Branch 's wifi. Initially, it wouldn't even work with the Bank 's " secure '' wifi ; and then it worked. 

Now it does not work again. It didn't work yesterday either, XXXX. Therefore, I'm submitting this complaint. Please have the Bank 's IT department fix this problem. I don't want think this is premeditatedly being done to me. I just want to believe it's a network glitch. Either way, please have this online problem fixed. Part of banking with BoA is having the ability to manage my account online ; and I am the real account holder. 

Thank You, 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 2021-12-04
Company: Nicholas Financial Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took out an auto loan in XX/XX/2020with Nicholas Financial, acct # XXXX XXXX XXXX phone # XXXX XXXX XXXX. Since the origination of this loan my payment dates and application of my payments have been incorrect. In the beginninng, they told me my payment was due on theXX/XX/XXXX. Now its on the XX/XX/XXXX. Moving along, they are now telling me that they will reposess the car if they dont receive 2 full payments by XX/XX/XXXX as Im 90 days late. Wrong. First of all, in the attached documentation from Nicholas, it says that my next payment due date is XX/XX/XXXX. That being said, I wont be 90 days late until XX/XX/XXXX. 

Regardless, pleae review all of the attached documentation and you will see that they are not giving me credit for my payments forcing me into delinquency which is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells fargo bank placed XXXX insurance on my truck then applied it to the loan and charged me interest on top of insurance I had zero need for. When I called they told that it was insurance that was required but it raised my payment more than I could afford. They repossessed my truck and never sent a letter about a auction. By there own admission when trying to get a fair settlement from them they sold the loan to a overseas company and never sold the truck. They shorted me so bad on this it is wrong. I waited XXXX plus years to get XXXX out of XXXX that they owed me. Thats again making me a victim and there laughing.

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 2023-11-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company started calling me XX/XX/2021 about a purchase that I had no knowledge about. They were informed of this and have continued to call me every single day since then. They are harassing me and illegally reporting to credit bureaus that I owe them for a transaction I have no knowledge about. 

Said dates of transaction, It was impossible for me to purchase anything at that location. I was not in the state and have submitted proof to the company.

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 2023-11-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is in regards to a high dollar fraud at Wells Fargo Bank. On XXXX XXXX, XXXX, my son XXXX received a notification regarding a negative balance of our joint checking account. ( real account ). XXXX XXXX, XXXX, there was an unauthorized creation of a fake account under my name. Same day, an amount of {$2400.00} was cash advanced by the hacker from Wells Fargo Visa Credit card and transferred online to the fake account created. Since then {$1000.00} cash were withdrawn everyday from the Fake account. Also there was unauthorized deposit of {$5000.00} twice to the real checking account from unknow person. The $ XXXX was transferred online to the Fake account. From there the hacker tried to withdraw again the funds. Hacker tried to transfer the remaining {$5000.00} to the fake account but was returned due to insufficient funds ( negative balance ) .The real account was submitted to my son 's payroll for his direct deposit from work, autopay for his voluntary contributions to agencies and to the US Dept . of Education student loan for his automatic withdrawal payment beginning soon. 

We submitted a Police report on XX/XX/XXXX and created this Complaint as well at CFPB. 
Contacted Wells Fargo and gave us an executive case number. We were told that it could take a little longer to find resolution on this 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 monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2021-12-20
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The reason that I am making a complaint is because I had requested for a loan modification with my 2nd XXXX XXXX but I had been denied several times. Now I have placed my home on a Short Sale to avoid a Foreclosure and as of today my second loan with Planet XXXX has come with a Settlement in which the first Loan with XXXX has been trying to work on getting a final Settlement. XXXX needs more time to come out with the figures necessary to come to a fair Settlement to both loans. I am getting foreclosed 5 days before XXXX and my family are just so stress thinking we are going to be in the streets. I tried to keep my home applying for a loan modification and Planet XXXX said my only option was to sell my home under a Short sale and i did the process but now again i am now getting foreclose any way. I want to keep my home if their is any program that can help me avoid to get Foreclose. This loan was giving to me as an XX/XX/20 I need help at least to get protected by the Moratorium or Covid-19 Pandemic. anything to avoid tomorrow 's foreclosure not to be out in XXXX. If I have no chance to keep my home at least to sell under a short sale. If the government is placing any protection to help families like mine. I begged you to help me stop this sale

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: FL
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 accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE SENT CERTIFIED LETTERS ON  3 DIFFE RENT OCCASIONS TO ALL CREDIT BUREAUS (   XXXX      XXXX   AND TRANSUNION  ) IN REGERDS T O ALL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND MY  NAM EIN  DIFFERENT FORMAT WITH ADDRESSES BELONGING TO CALIFORNIA AND TEXAS WHICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS   XX/XX/XXXX  , XX/XX/XXXX  THOSE ARENT MY BIRTHDATE, MY BIRHDATE IS  XX/XX/XXXX  I  FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  XXXX  ACCOUNT FROM TEXAS BU T LEFT  ANOTHER  XXXX  IT ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX  TX THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may c oncern, I mailed a Multiple Inquiry Removal Letter on   XX/XX/XXXX  by  certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the lett er on  XX/XX/XXXX  and they completed the request on  XX/XX/XXXX . The request that I submitted in cluded  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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