BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023 I received an email from chime telling me Your card is on the way! 
Your Chime XXXX XXXX XXXX has been shipped to you. A bright green envelope should arrive in about XXXX weeks. it then asked me to confirm my home address and had an address several years out of date. 

I have never signed up for chime I have never investigated signing up for chime, and I would never do business with chime. 

I called chimes published support number and was out in contact with an agent. I explained that I did not open an account and wanted to know if that was just an incredibly deceptive marketing email or if someone had opened an account. The representative said I understand this is frustrating for you. When did you open your account? And they did not seem capable of understanding that I did not open an account. 

I believe this to be deceptive on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I contacted Capital one and said my ex-wife opened a credit card in my name without my knowledge and used my routing number and account number I sent also FTC report, my report and my documents, when i contacted capital one the customer service said I can have a refund, but I didn't, the credit card just canceled and capital one never contacted me. I will talk with my lawyer to sue Capital on the last number of my credit card XXXX it's the second complaint and Capital one never helped me and never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX of 2016 I refinanced a XXXX XXXX XXXX and financed an XXXX XXXX XXXX with USAA Federal Savings Bank. I did both loans over the phone. Within the first few months I noticed I was falling behind in payments on the XXXX XXXX. Of course this was recorded on my credit report. I called USAA and asked what was going on. I was told the XXXX XXXX was scheduled for a monthly payment but the XXXX XXXX was scheduled for a payment of {$390.00} every 14 days. I explained to USAA at the time I didn't set the loan up that way. I was XXXX XXXX military and my pay was distributed on the XXXX and XXXX of every month. It didn't make any sense to set up a loan payment every 14 days. USAA is well aware of the military pay schedule the bank was founded by military Officers. I was told by USAA because of a contract between them and I agrees to a payment of every 14 days, they were expecting the payment. The only thing they I could do is refinance the loan. That was ridiculous. Why would I have my credit dinged because your representative made an honest mistake. I believe the representative who made check mark on my application agreeing to every 14 days for a payment made an honest mistake. Of course this can't be checked because the loan was processed over the phone. Anytime you mention biweekly and every other week to someone you risk the person has the frequency confused. Knowing my pay schedule I wouldn't have knowingly agreed to an every 14 days payment because I didn't get paid that way. In XXXX of 2016 I was XXXX  retired from the XXXX after 17 and 1/2 years. I called USAA in XXXX of 2016 and asked if they could help me by adjusting my XXXX contract because my pay would change from twice a month to once a month. They told me to refinance the car to change the frequency. Again I opted not to because I didn't want my credit dinged. At least twice a month USAA charge me late fees on the XXXX. At this point I have totally lost track how much money extra i'm paying in late fees. Also USAA applies how much money they want to my principle and interest rate. The online database which shows how much money is going to the principle and interest is inaccurate compared to what USAA representatives can see on their screen. I can make a payment of XXXX dollars. One month they will put XXXX toward interest and XXXX toward the principle. The following month I can make a payment of XXXX dollars. USAA will put XXXX dollars toward the principle, XXXX dollars toward interest and XXXX dollars toward late fees. Another example ; USAA online database will say I owe XXXX dollars on the XXXX and when I call the representative will say I owe XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
My main bank had always been Wells Fargo. I called asking if they offered a better rewards credit card than the 1 % Wells Fargo reward card that I had, because I kept getting better offers. The wells fargo representative told me they did indeed have a better offer and that I could go online to sign up for it. I went online and sure enough it stated in big bold colors and words. ( 1 ) {$150.00} rewards bonus if {$1000.00} was spent in the first 3 months ( 2 ) 0 % interest for 12 months. Online it said to see if you qualify for the introductory offer fill out the forms, which I did. I clicked through and online it said I qualified for it, I also got an email congratulating me for qualifying for it and that my card would be sent in so many business days. The card arrived and no where in that paperwork did it say I did not qualify for the introductory deal. So I proceeded and put $ XXXX in charges on in with in the first 3 months. But then they started charging me interest on the card, before the 12 months was up. They also refuse to honor the {$150.00} rewards introductory bonus. They are saying if I had read the fine print it would have said if I have another wells fargo credit card I would not qualify for intro bonus. But that is hogwash, no where did it say I did not qualify, It said fill out this form to see if you qualify for the introductory offer, and no where did it ever say I did not qualify for intro offer, nor did I receive an email denying offer, nor via USPS. So this is clearly another Wells Fargo credit card scam they are pulling on unsuspecting people. 

I will be closing all my accounts with Wells Fargo in the coming weeks after I work out details of another bank, but this is a clear case of them committing internet fraud on people. 

Please help in stopping this big bank from continuing to commit fraud on American Citizens. 

Many Thanks, 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 monetary relief
Consumer complaint received 2023-05-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My complaint is to bring to your attention some serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 in relation to the accuracy of consumer reporting and the handling of personal information. I have discovered numerous inaccuracies and discrepancies. According to the FCRA, consumer reporting agencies such as Experian are obligated to provide accurate and up-to-date information to consumers. My credit report includes several entries that are factually incorrect or outdated ( see attached for inaccuracies ). I urge Experian to conduct a thorough investigation into the accuracy of the information included in my credit report and take immediate steps to rectify any errors. I expect Experian to comply with the FCRA provisions by promptly correcting any inaccuracies and providing me with an updated, accurate credit report. Additionally, I have identified another violation pertaining to the Privacy Act of 1974. Personal information, including addresses, is a crucial aspect of consumer reports. However, I have noticed that my credit report contains non-mailable addresses, which are invalid and irrelevant. The inclusion of such addresses not only compromises the integrity of my credit report but also raises concerns regarding the security and privacy of my personal information.

I demand that Experian takes immediate action to rectify this violation by removing the non-mailable addresses from my credit report and ensuring that future reports do not contain any irrelevant or invalid information that may compromise my privacy. I request that Experian provides me with written confirmation of the steps taken to address these violations within 15 days of receiving this complaint. It is imperative that Experian upholds its responsibilities under the FCRA and the Privacy Act of 1974 to protect consumers ' rights and privacy.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: MA
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:
DEAR CFPB ; CRA 'S ; XXXX  XXXX XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I honestly do not believe to ever have any relationship with this collection agency or original creditor. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2023-07-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list if accounts below has violated my federally protected. consumer rights to privacy and confidentiality under 15 USC1681. 

Account Name : XXXX XXXX XXXX XXXX Account 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  : Has violated my rights ; 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U ; S ; C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 U ; S ; C 1681c, ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U, S, C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-27
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX and XX/XX/XXXX of XXXX I contacted Citi card rewards. The first time was chat and the secoind time was the phone. I get check mailed to me becaseu they can not seem to figure out how to deposit it to my checking account ( the same one I pay them with ). So now I get an error message that my address needs updating. They update it and get the same message- telling me they still can not send the check. Basically they give me no way to redeem but to apply it to my card balance. That is not the contract for rewards- it is CASH rewards. They are running a scam.

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 2018-09-07
Company: The CMI Group, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ok so first off this account does not belong to me a few months ago it was with another company XXXX XXXX it was removed from all three credit bureau 's. So i wake up a few weeks ago and I get several alerts that I have a knew collection account from Credit Managment whom I have never heard of, and never received any communication from at  all. I have been calling them everyday since they added this account to my credit profiles. Not only do I not owe XXXX XXXX because I have never had an account with them but isnt it illegal for Credit Management not to give me any notice and ruin my credit they I work very hard to correct and maintain. This is ridiculous I do not appreciate their lack of tact how after I successfully got this account removed while it was with another collection company they then buy it and saddle me with it yet again. This is incorrect and an over use of their power further more for me to not to be able to reach them is very unprofessional..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Today XX/XX/XXXX I was made aware of an escrow analysis that I believe to be incorrect. Carrington mortgage services is raising my monthly payment from XXXX to XXXX do to a escrow shortage of around XXXX. I checked all my taxes and they have not increased significantly. My water sewer bill was taken out of escrow on a one time payment. The mortgage Co is now counting that into my yearly taxes. I pay out if pocket for sewere water. Also I have no missed payments. I believe that an error has been made and they said I can not get another analysis till XX/XX/2024 or until the shortage is paid off. I can't afford that lump sum. I've called and given them all my info from my tax numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I began my mortgage refinance on XX/XX/XXXX with HSBC. At the time my mortgage balance was {$270000.00}. My XX/XX/XXXX payment of {$2500.00} had not factored in and so the HSBC representative initiated the refinance paperwork with the XX/XX/XXXX balance of {$270000.00}. 
The following month HSBC had XXXX service the loan. This added a third party to the process and caused delays that resulted in my interest rate of 2.94 % extended twice since the delays were not my fault. 
For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made 4 payments of {$2400.00}. ( I stopped making the extra payments towards the principal during the refinance process. ) In total I made 5 payments totaling {$12000.00} before closing on my refinance on XX/XX/XXXX. This brought down my balance to {$270000.00}. When the HSBC representative called me to inform me of my closing date, I realized I was n't supposed to make the XX/XX/XXXX payment. He said I would have my XX/XX/XXXX payment refunded. 
When XXXX mailed me a " Payoff Refund '' check in the amount of XXXX, which arrived on XX/XX/XXXX, I realized this amount was roughly the difference between the starting balance ( XXXX ) and the closing date balance ( {$270000.00} ). I understand that based on the amortization schedule the 5 payments totaling {$12000.00} would only cause the balance to drop by {$3800.00}. I do n't have an issue with that. 
However, to keep the loan at {$270000.00} requires that I make an additional {$12000.00} in paymentsto bring down the balance to what it was on my closing date. This amounts to a hidden fee of {$12000.00}. Is this legal? The balance could have been revised to the closing date balance. ( A colleague of mine told me that is what his bank did with his loanwhen he refinanced. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am an XXXX  who issued two direct deposits to a Key Bank account belonging to an employee. XXXX deposit was for the amount of {$510.00} and the other amount was {$510.00} I issued these XXXX transactions on Wednesday XX/XX/2022 along with regular payroll issued to nearly XXXX employees. All other employees who have other banks received their funds on Thursday XX/XX/2022. The Key Bank account holder was told that funds would not be made available until Monday XX/XX/2022. 

I spoke with the Key Bank consumer department at XXXX MST on XX/XX/2022 and was told that although Key Bank XXXX indeed receive the funds, they would not make those funds available to the account holder because today is a federal holiday. Key Bank insisted that the settlement date was XX/XX/2022 which is not correct as the funds were issued XX/XX/2022 with a settlement date of XX/XX/2022. 

I escalated the call to a supervisor who informed me that although they are able to verify that they did indeed receive the funds, there is no employee of Key Bank who has the ability to make these funds available to the account holder. 

I issued the XXXX XXXX day early in order to ensure that all employees were paid on time. Key Bank is in violation of Federal law in delaying the availability of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-03-10
Company: Experian Information Solutions Inc.
State: CA
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:
Experian, XXXX  and XXXX  has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 2023-06-17
Company: EQUIFAX, 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:
I am trying to obtain a new vehicle and I have realized I have damages on my credit report, with unauthorized credit inquiries on my report and it is stopping me from obtaining my vehicle. According to the 15 U.S.C 1681 there should not be any damages on my report its a defamation of my character.

I have disputed and contacted my credit bureau 's who have tried to help me resolve this issue, but the items keep coming back on my report, please help me resolve this issue as it is stopping me from obtaining a future home. According to the FCRA, these unauthorized items must be removed. 

I am currently speaking with a representative and they have informed me they are unable to remove the inquires and negative accounts off of my report. 

I have inquires from XXXX XXXX  dated XX/XX/21 & XX/XX/21 XXXX  XXXX dated XX/XX/21 XXXX XXXX XXXX dated XX/XX/21 the list goes on please help. 

I will attach proof of residency and identificarition along with dispute results.

Company response to consumer: Closed with explanation