BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my ChexSystems XXXX XXXX XXXX XXXX consumer report : Dispute : Source of Information : XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX  XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 RTN/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from Chexsystems & XXXX XXXX XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX XXXX is in violation of my rights. I request that this negative report be permanently removed from my ChexSystems & XXXX XXXX XXXX report. I have attached documents to verify my identity

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 2023-04-08
Company: Chime Financial Inc
State: AR
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:
Dispute Type : Debit - Unauthorized TransactionDate Error Reported : XXXX Amount : {$6100.00} Respected Sir/ Madam, I am writing this to bring into your concern that on XX/XX/2023 at approximately XXXX several transactions of {$2200.00} was debited from my chime account. I filed a dispute with chime and advised them that my vehicle was broken into and all my valuables was stolen out of my car my phone which has All my accounts saved in my phone wallet, wallet, id, and social security card. l beg to inform you that this transaction was not carried out by me in any physical or online form. 

I explained I went out of town XX/XX/XXXX and my car was broken into several belongings stolen out of my vehicle including my phone, wallet with social security card, birth certificate, other bank cards various other personal items that mean a lot to me, which the thieves probably burned, buried, or broke. The worst part was that they have my drivers license and my address, and I lived in fear for about a week after it was stolen. I had to wait till I made it back home to get a new phone which was XX/XX/XXXX that's when I noticed all these unauthorized transactions in my accounts. My accounts was locked due to whomever tried to reset my password or attempt to login again on top of stealing my identity which I reported to Chime. Chime credit my account provisional credit which I wasnt going to use until the dispute was over. On approximately XXXX chime emailed me stating no error occurred and they will refund the provisional credit back. 
I had not accessed my account since the XXXX  of lasting speaking to an agent about this matter! And I havent had access to a phone since XX/XX/2023 due to the natural disaster tornado that hit Arkansas everything I owned or did own was blew away On XXXX XXXX I noticed someone logged in my account once again with multiple unauthorized transactions bringing the total to roughly XXXX and notified chime right away the next following day they denied my dispute again after I have sent them my identity has been stolen. I sent in police report, Id, letter and selfie of myself as asked both times! I asked for documentation on how their decision was made and they advised me it would take 10 days to provide. I asked why 10 day and I was giving a decision today, how can a decision be made and there is no supporting documentation provided for the decision. I have been with chime for over XXXX years and never had a problem no I get denied without a explanation for why is not acceptable when I send supporting documents the transactions was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Someone has been trying to open multiple different credit cards in my name

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 2023-04-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive received the following notice from WELLS FARGO : Your real estate taxes still need to be paid Pay your past-due taxes by XX/XX/XXXX to avoid an increase to your mortgage payment Dear XXXX XXXX XXXX Were reaching out because your real estate taxes still need to be paid.

1. If they remain unpaid, we may pay them on your behalf to prevent a lien on your property and possible loss of ownership through a tax sale.

2. Youll need to repay us for any taxes we pay on your behalf.

3. If we pay your taxes, we may set up an escrow account to collect for future tax bills. That escrow account can not be removed once it has been added and will increase your monthly payment. 
If you have not yet paid your taxes, make the payment to your taxing authority by XX/XX/XXXX. If someone else is responsible for paying your taxes, like a condominium association, let them know about the past-due payment right away. 
Note : Youll also receive a letter from us about this in the mail. 
If you have any questions or need further assistance, please contact us at the number below. 
XXXX XXXX XXXX Department Ive called them twice ( XX/XX/XXXX & XX/XX/XXXX ) advising that I dont owe any taxes. 
Asked them for details - they failed to answer any questions concerning the above notice. 
Send Wells Fargo ( XX/XX/XXXX ) the following response from the managing agent who collects my condo taxes : Dear XXXX, Your taxes are paid through the XXXX XXXX XXXX XXXX, and we get payment in lieu of the taxes. I am copying XXXX XXXX from the XXXX on this email to address this issue. 

XXXX, The mortgagee ( Wellsfargo Bank ) for unit XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) sent letter below citing for possible lien on the unit and increase in the mortgage amount due to unpaid taxes. Please advise how this will be resolved as soon as possible. Can you write a letter to them to address this please so that they know that the mortgagor is not in fault? Explaining what the PILOT is vs taxes? 

Best Regards, XXXX XXXX XXXX Portfolio XXXX the XXXX XXXX XXXX XXXX, and we get payment in lieu of the taxes. I am copying XXXX XXXX from the XXXX on this email to address this issue. 

XXXX, The mortgagee ( Wellsfargo Bank ) for unit XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) sent letter below citing for possible lien on the unit and increase in the mortgage amount due to unpaid taxes. Please advise how this will be resolved as soon as possible. Can you write a letter to them to address this please so that they know that the mortgagor is not in fault? Explaining what the PILOT is vs taxes? 

Best Regards XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX XXXX XXXX Fax ( XXXX ) XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My dryer went out and I purchased a new XXXX washer/dryer pair from XXXX 's XXXX paying {$1000.00} down, and financing the rest through XXXX Synchrony XXXX XXXX 60 days same as cash. I appears I was set up for failure, but I kept my eye on the ball, or rather mailbox. 
When I hadn't received my bill by mail in the third week, I called. They had switched me to electronic billing with no notice. Luckily, I figured out how to pay by direct draft in time. If you miss a payment, they can add something like 22 % to your bill and demand payment in full. I was assured by customer service that my account would be switched back to paper billing. When I accessed their website, this had not been done. I was lied to. 
I later got an email that the bill had been sent on the XXXX, and there was a list of credit agencies. These people are nasty and deceptive. If you've had a lot of complaints about XXXX financing, you XXXX want to consider a class action lawsuit. 
I financed on or about XX/XX/XXXX. My account number is : XXXX. Their number is XXXX. I just want to make sure that my credit hasn't been affected.

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 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of {$3500.00} by someone acting as a representative of my title company when closing on a home. Bank of America did not follow any of their protocols when processing the wire. It was wired from one Bank of America to another a few towns away. Bank of America says there is nothing they can do to recover my funds.

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 2022-08-24
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company : Credence Phone number : XXXX ( XXXX ) XXXX Date & Time : XX/XX/2022, XXXX I do NOT owe this company any money, never even heard of them, and I have no debt! They keep calling and when I answer they hang up right away! Straight out harassment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
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/XXXX, I was made aware that my account with XXXX was 251 days past due. I contacted updated via phone and email, this was the response : We apologize for the confusion. Our records show one of our team members in the back office had just made a note on the account because it showed up on a report. They Corrected the issue and now the account is showing 6 days past due. 

On XX/XX/XXXX, an alert from the credit bureau stated that my credit report shows me being 293 days past due for the same company. After calling them several times and talking to multiple people over the phone and via email, they have stated to me that this resulted from failure of paying late fees. I was not made aware of any late fees directly from this company at any point of time. 

On XX/XX/XXXX, I called and spoke to a supervisor regarding why the credit dispute was declined. They told me that the credit agency declined it and that I would have to speak to them regarding my credit report getting fixed or updated. The XXXX company has submitted for a correction via mailed form. My payment history was broken down from XX/XX/XXXX to current and it shows that I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: CADENCE BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, an overdraft fee was posted to my account. On XXXX XXXX, I have a balance of {$5200.00}, and my credit card companies pulled {$2000.00} out on the XX/XX/XXXX, however, due to Cadence bank 's technical issues, these charges were not processed or validated until later days, but were posted without showing up on the online banking app. The balance wasn't reflected correctly. The bank itself also has an alert message : Please be aware that some transaction data from XXXX may be unavailable to view in your online account. We are working to resolve the issue as quickly as possible. '' After talking a supervisor, they failed to honor the issues caused by their technical problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Incomm Holdings Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX XXXX I purchased 4 Visa gift cards of {$200.00} each at my local XXXX. They were to be a XXXX present for my son and his wife who live in another state. They came for an early XXXX on XXXX XXXX and left early on XXXX XXXX. They tried to use the cards on XXXX XXXX. Three had a XXXX balance and one had a balance of {$0.00}. All four had been used at XXXX stores. One also had some online purchases on XXXX XXXX. I called the phone number on the back of the card. It said the bank was XXXX XXXX  serviced by Incomm Financial Services. They emailed a dispute form on XXXX XXXX. On XXXX XXXX I send 4 emails ( one for each card ) that included the form, copy of the receipt, copy of the card, and the transaction history. InComm emailed that they had received the dispute. On XX/XX/XXXX InComm sent an email and said they needed the receipt and copies of the cards. On XX/XX/XXXX I called and talked to both customer service and a supervisor. After a long hold time the supervisor said they needed the information I had previously sent as it was changed to another department and they could not transfer the information. She also said I would hear back with 7 business days. I emailed the information again on XX/XX/XXXX. I never heard back from them. I have called on XX/XX/XXXX, XXXX, XXXX, and XXXX. It is always the same-they are investigating and it will be another 24 to 48 hours. They received a certified letter from me on XX/XX/XXXX and still no response. All I want is my {$800.00} back by check as soon as possible. They have had my dispute since XXXX XXXX. This is a lot of money. We are retired and on a fixed income. Also since I no longer trust gift cards I want a check with a tracking number. Incomm had no customer service. It seems to me that they are putting me off by asking for the same information and always saying 24 to 48 hours, but no answer from the.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: WELLS FARGO & COMPANY
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
This card is co-owned by myself and my daughter ( XXXX XXXX XXXX ). On XX/XX/2021 my daughter, XXXX, went to XXXX XXXX XXXX owned by XXXX XXXX ) at around XXXX XXXX She ordered either 2 or 3 drinks for herself and two friends. The bartender kept the card to keep a tab open. My daughter left the bar around XXXX without ordering any more drinks, and she forgot to pick up her card. Someone ( bartender? customer at the bar? bar owner? ) charged {$1100.00} to this card at XXXX. The tab was closed out the next day, XX/XX/2021 with a forged signature. We contacted Wells Fargo when the charge showed up, and they advised XXXX not to close the account, and that they'd take care of it. We followed their advice. They removed the charge for a period of time, then put it back on, without notifying us. We finally decided on our own that the best course of action was to report this fraud to the police in XXXX XXXX  XXXX XXXX where XXXX is located ), and they took a report and are still investigating this crime. I've spent over 20 hours talking to Wells Fargo about this, without satisfactory results. This is a clear case of fraud, with an open police investigation, and a clearly forged signature. My daughter also forwarded time-stamped photos and a taxi receipt to Wells Fargo to prove she wasn't at XXXX when the tab was closed out. I've repeatedly asked Wells Fargo to explain why they won't remove it, and they keep saying it's because there's a signed charge slip. I've had fraud removed from my other cards when there was a signed charge slip, and this signature is forged, so I'm not buying their explanation.

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 2022-08-03
Company: Luckmore Finance
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The manager at luckmore finance ( XXXX ), XXXX XXXX XXXX XXXX XXXX has called and texted me several times during my work hours after Ive asked him not to contact me during those hours. He has called from his personal cell phone. Today, he called my job at about XXXX pm, and told the person who answered the phone that I requested him to call me- which was not true. He has already told me he would not contact me anymore and their attorney would, which would be preferred. Im attaching proof of him texting me and calling me from his personal cell phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: AZ
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:
Had both a checking/savings and vehicle loan with Wells Fargo where they charged inflated costs to maintain these 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 2023-04-08
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear Wells Fargo Bank, Thank you for your response to my XXXX claim, but I would like to further discuss the denial of my claim. Your response states that the transactions were made through a secured online banking session by me or someone whom I gave authorization to. However, I would like to reiterate that I did not give anyone permission to make this payment, and I have filed a police report and even undergone a lie detector test to prove my innocence. 

Additionally, when I contacted the bank, I was informed that all the XXXX accounts that the money was sent to have been disabled and that I was not tied to any of the emails registered under their XXXX. This suggests that my personal information was leaked, leading to someone sending the money from my bank. I would appreciate it if you could investigate the recipients ' accounts and provide me with more information to help clear my name. 

Furthermore, I want to emphasize that when the claims specialist called me, they informed me that my account was logged in from Texas and XXXX, despite me living in XXXX, Utah. The fact that my account was accessed from locations I have never been to before suggests that my account was compromised. I immediately changed my account username and password after being informed of this. 

In your response, you also mentioned that there was a history that the device that made the disputed XXXX transaction dated back more than 60 days, and that the same device was used after I changed my username and password without the online fraud claim assistance center. However, this does not prove that my account was not compromised and the money was sent to a strange account, as I have never authorized such transactions before. 

I kindly request that you take my situation seriously and investigate this matter thoroughly. I believe that I am not at fault, and I should not be held liable for any unauthorized transactions. Please let me know what further information or documentation I can provide to support my claim and help resolve this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: ERC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I call company that told nothing and now I no for my self that my XXXX XXXXXXXX XXXXs behind all this her name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Early Warning Services, LLC
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:
Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my XXXX XXXX Early Warming Systems consumer report : Dispute : Source of Information : XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : XXXX Date of Closure : XX/XX/2021 RTN/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from XXXX & Early Warming Systems or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX is in violation of my rights. I request that this negative report be permanently removed from my XXXX XXXX Early Warming Systems report. I have attached documents to verify my identity

Company response to consumer: Closed with explanation