BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We received a large check from our usual payer source of over a year. However, this time it was a paper check instead of a wire. Wells Fargo in XXXX XXXX Florida held the funds. 2 days later, only a few thousand was made available. After meeting with the branch manager, we were told the funds would be available in 24 hours. So, we made payments and as a result ended up with a negative balance of over several thousand dollars. The funds were listed as " posted '', yet still not usable. How is it that in 2017 a  bank can not contact another bank within minutes to verify fund availability? And how is it that it depends on the decision of the bank manager? And then how do they justify a statement saying funds are " posted '' and then not pay out on bill pays? From what I read in the law, its not legal and I want them to answer for their mistake.

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 2019-03-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
To all parties connected to this fraudulent mortgage loan origination matter. I have been misrepresented by the lender from Fifth Third Bank and the FHA appraiser from XXXX who Fifth Third Bank Mortgage department hired for both FHA appraisals. Fifth Third Bank Mortgage department intentionally submitted the wrong appraisal calling it an error. Why Im certain of this matter is because its protocol within the guidelines to submit the lower appraisal. The property that was purchased in question was a flipped property that required two FHA appraisals due to the property being put on the market within 91 days after the recorded deed date from the previous owner. The FHA appraisal overlooked the safety and the condition of the home. After receiving the clear to close endorsed by the underwriter DE from Fifth Third Bank Mortgage Department. On the day of closing I took possession of the property unknowingly, that the FHA guidelines wasnt met due to the safety and conditions of the home. Although, the report stated differently this home has multiple deficiencies that conflict with FHA guidelines. In concluding, these impairments to the property in question were not disclosed in any of the reports. My personal private inspection came back with 21 deficiencies conflicting with Fifth Third Bank 45 days prior. Due to these circumstances I feel my rights have been violated under the lender liability law and program guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2018, I received notification that a collection account had been reported on my credit report. I mailed a disputes letter to the credit bureaus to validate my debt with company XXXX XXXX XXXX on XX/XX/2018. The company never responded within the 30 days allowed to responded. I have yet to receive the information as well. This is hindering me from receiving adequate living arrangements. I have no knowledge of this company or any debt owed to them. I am asking that they be removed from my credit report due to non compliance of submitting the information within a timely manner. I have not received the credit bureaus paperwork with whom they spoke with at the company or proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is my second time disputing the following accounts : -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 I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

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 2020-12-04
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
I sent out original dispute letters to all 3 credit bureaus on XXXX XXXX, 2020. After not getting any investigation results back I sent a 30 day demand to comply on XXXX XXXX, 2020. These agencies are not abiding by the law or holding up to the Fair Credit Reporting Act. I have still not received any investigation results and I want my items deleted. This is my second complaint.

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 2019-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
bank of America credit card Account number ending in : XXXX They posted a hotel charge of {$3900.00} in XX/XX/XXXX while the Transaction Date was in XX/XX/XXXX. which mean after 211 days. 
I talked with BOA respected department 4 times and I disputed the amount of {$3900.00} charge twice, XX/XX/XXXX Case number : XXXX and XX/XX/XXXX Case number : XXXX They kept wasting time until dispute time close, without solving the problem. 
Every time, They ask Proof that this transaction was paid by another means. I respectably informed them I never keep receipt for 8 months. BOA respected disputed department, declined the dispute saying We're unable to determine that a billing error occurred based on the information or documentation available to us '' I informed them, that under the law, they have no right to charge me after 8 months, while i did pay the hotel. 

The law says : Under Visa Chargeback Reason Code 74 : Sales Receipt Older than 181 Days. If the sales receipt was deposited more than 181 days after the transaction date, even if the card account is not closed, there is no remedy and you should accept the chargeback.

please solve my problem with them.

Attached the Correspondences between me and BOA respected credit card dispute department

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 2019-04-24
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had to private student loans that were serviced by AES. The owners where XXXX XXXX in National Collegiate Trust. I served in the military to pay off a portion of my loans. My incentive was a {$65000.00} student loan repayment of which XXXX went toward the loans and XXXX went toward taxes. I initially owed {$82000.00} and after the XXXX was paid my balance was {$78000.00}. My loans were not dispersed correctly, as as was supposed to pay off my private loans before any of my Federal loans were paid. This did not occur. I became XXXX while serving in the military and requested that the owners of the loan forgive my loans based on my service-connected XXXX. I sent all documentation request through AES, who was suppose to forward it to XXXX XXXX and NCT. XXXX XXXX loans were forgiven but instead of AES handling it correctly they sent my account info back to XXXX as a defaulted loan. I was notified of a delinquent account by my dad, who received the letter. This letter almost caused him a divorce and was wrongly sent to him. Somehow my account was transferred from AES back to XXXX in a delinquent status even though they had been forgiven. I continue to pay on the NCT loans and they continue to go up. Currently I am paying only on the interest that was accrued during my military service. The loans have been paid dollar-for-dollar but I continue to have to pay on capitalization and interest which is the only amount due on my loans. I don't believe that AES has forwarded any of my requests to the loan holders, which was confirmed by XXXX XXXX today. I can not get in touch with NCT in order to request the loan forgiveness because there is no phone number for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from a company called XXXX XXXX , XXXX out of XXXX, GA. In that letter it discussed a credit card debt from XXXX that I swear I had paid, which was {$35.00}. Anyway XXXX XXXX offered me a settlement of {$82.00} of the amount of {$330.00} they said I owed. I paid it immediately. I was contacted several times by XXXX XXXX XXXX XXXX saying I owed the amount of # XXXX. I informed them several times that the debt had been settled through XXXX XXXX, XXXX. I was told there was no record. I have since learned from XXXX XXXX that XXXX XXXX XXXX XXXX   called on XX/XX/2018 to verify that it indeed had been settled. XXXX XXXX XXXX, said they spoke to XXXX from XXXX XXXX XXXX XXXX and confirmed this account had been settled. Now I receive additional mail from XXXX XXXX XXXX XXXX   informing that I still owe {$240.00}. That most recent correspondence from XXXX XXXX was mailed to me on XX/XX/2018. I also received another correspondence from XXXX XXXX, XXXX showing the discount I had paid to settle but showing the {$240.00} as amount owed and when I called them to question this, they told me the letters are standard and to see the small print that says, the referenced account had been settled in the office. I argued that the letter is misleading and the amount owed should reference a XXXX  amount since I was offered a discount price to settle and performed on that offer. I have tried unsuccessfully to contact XXXX XXXX XXXX XXXX as you are supposed to leave a message at their number, XXXX and the mailbox is always full. I have called 17 times today and can not get a hold of anyone. I have called XXXX XXXX XXXX at XXXX and they said it shows as paid on their end. In the meantime my credit report shows the full amount as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made an arrangement with XXXX and will upload the agreement. XXXX stopped all of a sudden and was sent to Credit Control who said they heard nothing regarding the agreement with XXXX. When I called the primary holder of the debt the man I spoke to acknowledged the payments made but not agreement that I have in writing and told me I am facing default and legal action. This is all a bunch of misinformation and falsehoods. 

I have the proof right here. 

{$3900.00} was reduced to {$1900.00} this was all done as soon as this was about to fall of my credit so I was tricked into this agreement with threats, to allow for the loophole to make the clock start again even thought it had been over 7 years and was no longer on my credit report. But I work a program of fiscal amends and I went along with it, not knowing this was all shady.

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 2018-09-17
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I believe I am the victim of predatory lending practices and was taken advantage of during a difficult time in my life. 

While I only needed a lesser amount than the loan I got, I was convinced to take a much larger loan, which I am struggling to afford now. 

I only needed about {$3000.00} but was convinced by the agent on the phone that the {$10000.00} loan was a better deal and I should take it ( I only received about {$8000.00} in funds ) I did and am being charged over 75 %. 

I took out the loan in XXXX of 2017 and have made all of the payments so far ( about {$670.00} per month ). The company has already made it's money back on me and I feel they took advantage of me last year in a time of need. 

I had gone into debt by being out of work from XXXX through XXXX of 2017, going through a second divorce, and was about to have XXXX XX/XX/2017 in which I would have to take unpaid time off of work from a job I had just started. 

I would not have taken out such a large loan amount if not talked into it by the loan agent and am complaining to get my principal reduced to the original amount I wanted ( {$3000.00} ). 

Can you please help? 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: First National Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
My husband and I divorced XXXX/2019. We did not accumulate any debt together. First National Collection Bureau XXXX has been harassing me about a debt belonging to my ex husband. In my divorce decree we listed our creditors. I do not have an account with this company nor have done business for this company to contact me and harass me. They have left obscene messages on my personal phone. They stated they are attempting to collect a debt which is a violation. I am not who they are looking for yet they have violated me by telling me my ex owe a debt. That is not my problem it is a their problem. I have ask a representative not to contact my phone bc by law my ex husband husband is legally living separate lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2018-05-23
Company: EQUIFAX, INC.
State: MI
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:
In XX/XX/XXXXI contacted XXXX  to correct an auto loan information with XXXX creditor. They have not corrected the inaccurate info they are reporting. They are also reporting false info about an account with XXXX XXXX opened in XX/XX/XXXX and will not remove it. I have not ever had an account with this company and did not open one with them recently. Equifax is also reporting this inaccurate information. I  want these inaccuracies fixed immediately as they are preventing me from financing purchases and providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 at approximately XXXX I called Navy Federal Credit Union to place a security word for all my accounts at NFCU , also had a note added to accounts that stated " No deposits are to be made unless account member is physically present and ID is used to verify, also a phone call to verify. 
On XX/XX/2019 a deposit was made into a mortgage account that is solely in my name, I was not present nor no verification was attempted by NFCU as I had previous requested. 
On XX/XX/2019 at approximately XXXX I called NFCU and talked to a represenitive from accounts ( did not get name nor employee ID number ) I explained what had happened and why my request was not being honored by NFCU , employee could not answer my inquiry and transferred my call to collections dept. I then spoke to a XXXX employee number XXXX and again explained what had happen and why my request was not being honored. XXXX stated that " NFCU does not refuse any deposits into accounts ''. I then asked her " even if the person who is making the deposit name is not on the account? ", she stated " yes ''. 
I asked her to check with the security dept. to see if anything could be done or what are the rules that apparently allow this to happen. XXXX put me on a brief hold and then returned and stated " NFCU does not refuse any deposits into accounts ''. I said thank you and hung up. 
This is my complaint, it is very freighting practice that anyone with an account number has this kind of access no matter what the reasoning is and is able to deposit without member being aware of what activity is happening to their accounts. I had placed this security measure ( for my own reason ) on my accounts and my request was not honored, this needs to be resolved and if can't, this complaint needs to move forward. thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Wells Fargo Business Checking Account on XX/XX/2018  with the promotion of gettig {$300.00} if I deposit {$1000.00} in the account and complete all the qualifying acitivies which I did. I was supposed to get the money by the 60th Day. I have completed all the qualifying and should be getting my money which I haven't go till yet. Please look into this.

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 2017-12-12
Company: Fidelity National Financial, Inc
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Files several complaints with this company Fidelity National Title sad they dont wan na admit there own error that I had to fix out of my own pocket as of today XXXX XXXX XXXX I have not received any payment form the company for reembusrment and athey will not work with me. I will be working with you the CFPB and going through Court and Corporate to get the rest of my money. The bill will just keep getting higher becasue they will be paying my leagal fees and I will have to supena the supervisors at XXXX XXXX and other companys to fly in and testify that they all agree that Fidelitey Title dropped the ball. I already subbmitted the emails from them stateing it was there error. They are surely not makeing a good representation for themselve very p [ oor work ethic and basically stealing money and lying to the costomers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments  taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. I was late 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