BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm writing to you today because the bureaus ' rejection of my identity theft claim has left me feeling incredibly frustrated and distressed, and it has been growing steadily. I have followed all of your bureau 's instructions, so I find myself in a confusing scenario where my valid claim is denied. 

This terrifying identity theft experience I've had has been nothing less than a nightmare. I have carefully followed your instructions to the letter in every action I have taken, document I have provided, and report I have filed with law enforcement. 

I'm quite upset as well as frustrated by this unfair rejection. It is impossible to overestimate the toll this experience has had on my emotional stability and financial security. The idea that I am encountering such opposition after carefully following your instructions is depressing and frustrating. 

I implore you to acknowledge the seriousness of my circumstances and the consequences of delaying action. As a consumer and identity theft victim, my rights are being flagrantly disregarded, leaving me feeling helpless and voiceless. 

DPT EDXXXX XXXX XXXX XXXX has already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand that my identity theft allegation be given the fast attention and thorough investigation it deserves by your agency. My patience has run out, and I'm at my breaking point. I'm determined to see that this is accurately and quickly resolved. 

I anticipate receiving a formal acknowledgment of my dispute letter and a prompt commitment to fully investigate my identity theft allegation. I'm beyond frustrated and distressed, but I'm not going to give up on finding justice and a solution.

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 2023-12-13
Company: Experian Information Solutions 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:
This account has been removed already before and I wasn't notified by the company or anyone from that creditor that it will be back on my credit report and They SHOULD'VE NOTIFIED ME as it is a violation of the Fair Credit Reporting Act of 1681N!

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 2023-12-13
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
EXPERIAN SENT ME A LETTER REGARDING A DISPUTE REINVESTIGATING OLD INFORMATION ON MY REPORT THAT NEEDS TO BE REMOVED FRAUD ALERT UPDATE

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 2023-12-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My accounts are with Synchrony Bank and they are Care Credit Card and Amazon XXXX card. Both have been active and used for many years. I was abruptly notified that both accounts were closed due to returned payments. I may hve been late on a few payment but promptly paid the the day after they were due. After hundreds of timely payments I may have been late on one or several payments over the last five years or so. In addition when my payment is late they assess me with a forty dollar late fee which I pay. My balances are not excessive and I have paid them hundreds in finance charges. I find the egregious as my Care Credit Account has a line of {$8000.00} and had used about {$3000.00} of it.So now I still owe the balances and continue to make make payments on time. I need the Care Credit line to pay some uncovered dental work.Do I have any recourse. They so aggravated me that I am tempted to stop paying them anymore and let the pursue me which will be unsuccessful since my only income is my Social Security benefit which is more than enough to satisfy all my finacial obbligations.

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 2023-12-13
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My student loan account reflects inaccurately reported late payments. I believe this is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, which mandates accurate and fair reporting of consumer credit information. Additionally, this inaccurate reporting negatively impacts my creditworthiness.

Relevant FCRA Provisions : I wish to bring to your attention the FCRA provisions that support my complaint : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : This section requires furnishers of information to credit reporting agencies to provide accurate and complete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander has been reporting account below status as a charge off for the past 5 years but never received 1099-C for this bad debt charge off. Failure to provide that documentation for this account is a violation of rights under FCRA and is causing harm. 

Account XXXX  XXXX Attached is reporting payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions 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:
I called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED, CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a late closed charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; INQUIRIES : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022.

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 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had lost a phone and wallet when I was moving out of town. I later found it was my old roommate. Whom had resetly passed Away and I had sent and faxed all supportive documents to the bank and still haven't received anything from them but another complaint filled and this has gone on way to long. I need the money I never received and this is not fair. I disputed transactions and put in complaints and it's just not fair or going anywhere. I put in my XXXX the times I contested the description for them saying I let someone use and steal my XXXX money so they denied my dispute when that Isn't the case and I don't have anything from them to backup there desition on my account. Just need to get what's owed to me and I can be done with this headache. What time and gas, phone calls and hours on hold to be once again back to square one and there rebutle was we haven't received anything from you staying my case and supporting evidence hasn't been received after XXXX faxed and XXXX plus hours on phone to have the excuse that there are no supportive documents to grant money to me. Don't know. What else I can do to get what I never received.

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 2023-12-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX Primary email address received notification that a new line of credit had been opened on XXXX XXXX  account without my knowledge or authorization. 

XXXX Primary email address received notification that a new line of credit ending in XXXX had been made on Wells Fargo account without my knowledge or authorization. 

XXXX Secondary email address received notification that a new line of credit with XXXX ending in XXXX had been made opened without my knowledge or authorization. 

XXXX Primary email address received notification that a new line of credit ending in XXXX with XXXX XXXX  had been made on my XXXX  account without my knowledge or authorization. 

XXXX-present Additional account created and transactions trying to finalize without my authorization or knowledge.

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 2023-12-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal  account was suddenly and permanently restricted without any valid reason and the funds in my account have been frozen for XXXX  days. 

I tried asking the PayPal customer service team for help but they said they couldn't help me recover my account. Just tell you whether it is a risk account or it can not be lifted, so it is a big disaster for our normal sellers. I have been using this account for some time and always work in good faith and comply with all policies and user agreements stated and in my Agree when registering an account. 

I have taken every step to minimize the risk associated with my account, but PayPal has still permanently restricted my account and says there are potential risks associated with it. 
I would request any information as to why PayPal feels they must restrict this account. There is no reason to permanently close my account as I believe I did nothing wrong to cause the account to be closed. Therefore, I am asking PayPal to re-investigate the issue and help resolve it. I'm willing to provide any information needed to investigate and help recover the account. I am willing to work with PayPal to minimize perceived risk. I'm asking you to help me recover my account. 


Reference ID : XXXX PayPal Merchant lD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account should be secured but its not. This is the second time that my money was stolen from my account within months on XX/XX/2023 money was stolen from my account from my bank thats in Illinois and I live all the way in XXXX so I am confused on how this can happen, I sent all the information that they needed to prove that it wasnt me and I have no business with this bank in Illinois is frustrating because I work hard for my money and my money was taking within minutes and I have to go through a long process just to get my own money that I worked hard for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over a year ago, I notified Bank of America as soon as the transaction was taking place to reverse the transactions due to my being scammed through cash app and my bank account. I had to open a new account and, create a further XXXX authentication, and log in to my online app. I provided them with details that the scammer was saying transactions were not mine to make funds available to steal them through the cash app and then transfer the funds to a different cash app. I spoke to XXXX in the escalation department today after finding out that XXXX funds for my children had been taken out to pay for this fraudulent transaction I asked if I could pay on Friday here I go again continuing to pay for something that. I don't owe, and if they could make those funds available. I have been paying voluntary and involuntary payments to the bank for someone stealing my funds and felt robbed again this morning. XXXX then begin to belittle me and try to insult my intelligence in protecting myself and became insensitive telling me the debit was valid. I became livid and felt picked on after I told him to note again that this debit was fraudulent, which he did not do. I notified the bank of this issue while scammers were hacking my account in real time to stop them. I'm a victim of fraud and am not being protected. I'm filing a lawsuit as I feel completely taken advantage of. This has caused me so much stress and inability to pay bills to provide for my children and also emotional distress. My bank is taking advantage of me after providing all the proof, and they will not help 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 2023-12-13
Company: LEXISNEXIS
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lexis Nexis has violated my rights in accordance with FCRA USC1681 section 602 states I have the right to privacy.15 USC 1681 section 604a section 2 A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: NC
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:
Equifax confirmation # XXXX is reporting the following fraudulent inquiries. 

XXXX XXXX XXXX dated on XXXX XXXX, 2023 XXXX. XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX Bank, dated on XXXX XXXX, 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo was charging me wrongful fees

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 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I initiated 2 claims with Bank Of America on XX/XX/XXXX  for fraudulent debit card charges on my checking account. One was in the amount of {$980.00} and the other was for {$640.00}. The date range of the fraudulent transactions went back as far as 11 months prior to XX/XX/, but many were more recent. These fraudulent charges were made against my checking account debit card without my knowledge or consent. My debit was in my possession at all times. 

I filed the claims with the help of an associate in the BOA Debit Card Fraud department on XX/XX/23. The debit card charges were initially put in a " Temporary Credit Adjustment '' status and then later denied because they were " outside the 12 month window ''. If that were true ( and it is not ), why would the BOA associate have helped me file it? Plus, if BOA took too long to review the issues, why should I be penalized for that? That " blanket '' explanation did not apply to the dozens of fraudulent charges that occurred over several months. Additionally, why would BOA provide a temporary credit adjustment if they thought it was outside of the 12 month window? This does not make sense on many levels. I appealed these decisions to BOA and my appeals on both claims were again denied. 

This result was very disappointing as I have filed other claims for much smaller amounts and they were paid. That seems inconsistent. 

I acted in good faith and I expect Bank of America to do the same. Please review and advise. Thank you.

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 2023-12-13
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a fence from a lowes contractor. He told us we had a XXXX  month loan, we calculated the total payments. Paid those and were charged XXXX in interest because of an accidental charge for stone on the account that wasnt taken off. 

This Lowes store is one of the worst stores Ive dealt with. Weve had several issues where they damaged goods delivered and damaged goods loading them into our vehicle. 

The fence isnt even a good fence. The door is splitting and I havent been able to get the company to get out and fix it. 

Lowes in XXXX XXXX. Terrible employees, terrible environment, terrible quality.

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 2023-12-13
Company: Foris DAX, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX I traded futures with Crypto.com and their XXXX XXXX. I asked to wire my balance {$400000.00} to my bank. They informed me that I had to prepay 20 % capital gains tax. They would pay the additional 5 %. XX/XX/XXXX I wired {$66000.00}. I was then told to wire {$24000.00} Gas tax ( Refundable ) to remove my money from the XXXX. They said I was suspected of money laundering, and I had to deposit an additional 50 % ( {$200000.00} ). I sent it on XX/XX/XXXX. I was told the bank in XXXX XXXX would wire my money in 15 to 30 days. When I asked if they could speed it up, they offered to go for me for an additional {$30000.00} plus expenses. I balked. They said that I would have to go to XXXX XXXX in person and sign anti laundering documents and then my money would be wired to my bank. They owe me {$620000.00}. 
I have reached out twice since to no avail. 
I am XXXX XXXX XXXX and have never been involved in money laundering. On XX/XX/XXXX, I had a XXXX. Chances are 25 % I could have another one. If you are having a XXXX, you have XXXX hours to get medical attention to reverse the aftereffects. I am not willing to take a 12 hour flight to a country where I can't speak or read the language or chance another XXXX out of the USA. I asked for assistance besides traveling, so far nothing. Please help me. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Violating the Equal Credit Opportunity Act and Consumer Credit Protection Act by discrimination due to good faith exercising my rights under the Consumer Credit Protection Act and withholding my access to my securities which constitute Securities Fraud! This is unlawful and unethical activity being carried out involving discrimination and securities fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've gotten withdrawal on my account wasn't mines wanted to see the video who was on the video to see do I recognize the person

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 2023-12-15
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an XXXX from my employer as a XXXX bonus gift with a balance of {$200.00}. I tried to use the card at XXXX XXXX week ago and it was declined. Then today, it was declined again when I tried to purchase XXXX pairs of jeans from XXXX for {$90.00}. I called the Amex Rewards Card number ( XXXX ) today XX/XX/23 and spoke to a representative right away. He could see that I was trying to purchase something from XXXX and could see the exact amount, but could not explain why the card was being declined. He told me to " Try it again in a while '' or to " Use the card at a different merchant ''. I told him that I wanted to make a purchase at XXXX, not some other merchant and asked him if there was anything he could do on his end to allow the payment to process. He could not help me and just repeated the previously mentioned statements about waiting and trying again or using it at a different store. This is the XXXX  store that has declined the card ( first store was XXXX ), but I did not reach out to the company at that time.

Company response to consumer: Closed with monetary relief