BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had received my social security back pay on XX/XX/ and was going to use it to purchase a vehicle. I searched for chimes website and contacted them via the phone number on the site. I spoke to a representative named XXXX XXXX, in an attempt to increase my debit card limit to purchase the vehicle waiting for me at the dealer. XXXX had stated that accounting needed to verify funds to raise my point of sale limit on my debit card, and made 2 transfers of {$2500.00} each totalling {$5000.00}. One payment went to email address XXXX and the other one went to XXXX. at the same time 2 other debit card transactions came through. One for {$500.00} and one for {$1500.00} to XXXX. After spending 3 hours on the phone with XXXX, who was " working with accounting '' to put the money back in my account, and ended up giving me the phone number to their accounting team. That phone number was chimes REAL number, where they confirmed no chime representative was in my account before that. XXXX stayed on the phone during this, and the chime rep even spoke to XXXX, who was confirmed to be impersonating a chime rep, buy the real chime rep. They assisted in disputing the 4 transactions, neglecting the information i provided about the fake rep/site. They were originally all denied. I reached back out and resubmitted the information, making sure the rep put it all in, and they have only credited back the {$500.00} and the {$1500.00} debit card charges, but denied the {$5000.00} dispute saying the reason being " no error occurred ''. All 4 transactions occurred at the same time, and I don't believe chime is handling this appropriately. I have provided them with the police report 3 different times, and was told by 3 separate reps that the {$5000.00} was PROMISED to me by XXXX XXXX XXXX, and was denied with the reason being " no error occurred '' via email on XX/XX/. I am XXXX, without a home or a car and was desperately needing this money to get back on my feet after leaving a highly XXXX XXXX and trusted chime with my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Netspend Corporation
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I need Help i was making a netspend account and my cat walked over my keyboard when i put social security in, the enter button was pressed and my account got locked pls help me now

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 2017-11-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XXXX XXXX, XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late 0/2/12 Closed XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, 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:
On my Equifax XXXX XXXX, you recently remove an account from XXXX XXXX and recently, you put their information back on my file because they gave you a different name to file it again to XXXX XXXX XXXX. It's the same account. 
I need you to remove this account immediately. 
XXXX  still needs to remove the account all together for falsification information. 
Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Dear Sir or Madam : I graduated from school in XX/XX/XXXX and shortly thereafter I consolidated my loans and began paying them. For the last 14 years I have never missed a payment and I have never been late. Since I have lived overseas several times over the last 14 years the address on file for my loan information has been my fathers house. The only communication I received from my loan company was a XXXX once a year. 

On XX/XX/XXXX I received three emails from my sister who takes care of my father in Connecticut. Each email had an attachment. The first attachment was a letter dated XX/XX/XXXX from my loan servicer XXXX  with a notice stating that my payment on XX/XX/XXXX was being returned because there was a new servicer. The second attachment was a letter dated XX/XX/XXXX from a company called Nelnet stating that a " borrower benefit has been removed from your account ''. There was no mention of what the benefit was, or why it was removed. The third attachment was a letter dated XX/XX/XXXX from Nelnet demanding that I pay double my normal student loan amount. 

The following day I called Nelnet to inquire about the mysterious borrower benefit that was being removed and I was told that the " benefit '' removed resulted in a 1 % increase in my interest rate that was equal to more than {$10000.00} over the life of the loan. The reason that it was removed was because my payment was late. When I told them that I had sent all my payments and I have records showing that the XXXX payment was made on time they said that it did not matter. It was my fault because I should have known that the servicer had changed. I told them that I never received any notice of the change and they said that it was still my fault. When I asked what can be done to resolve this they said that they would take it under advisement but there were no guarantees that anything would be done. I immediately made the missed payment over the phone. 

Predictably, today I was notified that the " benefit '' would not be reinstated and that I was being penalized {$10000.00} because of the missed payment. 

I believe that this was a calculated move by Nelnet to increase my interest rate in an attempt to force higher payments. I hope that you will help resolve this so other students are not victimized in the same way. 

Thank you for your assistance in this matter. 

Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Ive made payments to my loans during the COVID CARES Act of the pause between XXXX of XXXX to XXXX of XXXX have reached Aidvantage ( my federal student loan provider ) approximately 5 times since XX/XX/XXXX regarding a refund I am owed. They did not process my request until XX/XX/XXXX, when I prompted another call back. The information has been so confusing - theres been a XXXX week timeline, XXXX, and now XXXX. Whenever I ask customer service there is no new information just that its coming. I am owed this money as a refund back to me and am tired of being dragged around and getting no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: CITIBANK, N.A.
State: PA
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:
Inquires on my account from companies I do not have an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: PA
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:
The vehicle was repossessed five years ago. On my credit report showing at the balances are increasing, and that I have five years of late payments from the car was already repossessed and sold at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: AL
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 disputed this inaccurate account on XXXX of 2020 with all three major credit bureaus, ( Experian, XXXX  and XXXX  ). The account I disputed was XXXX XXXX and dispute reason was that this closed charged-off account is adding interest to the account. By the FCRA, I believe this is a violation. I asked for this account to be deleted immediately and neither one followed the fcra laws. So I'm contacting the cfpb to get involved and help with this issue.

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 2022-10-13
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX XXXX account # XXXX, XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit 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:
Please refer my prior compliant against Wells Fargo XXXX on XXXX XX/XX/XXXX about the dispute with 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 I have Wells Fargo Autograph VISA credit card. On or about XXXX XX/XX/XXXX, I made purchase for XXXX  air tickets- XXXX -in one single transaction. XXXX made around XXXX  changes in the flight due to which I can not go and cancelled my XXXXXXXX XXXX  2 weeks prior to departure though 3 other family members went via XXXX XXXX assured me full refund as those XXXX changes were extreme and due to my job- I simply can not take it. But XXXX  rather than refunding my full ticket value to my credit card, XXXX made the refund in the form of XXXX travel voucher- which i never wanted. I tried to create dispute with Wells Fargo but online system didn't helped me. Later I called Wells Fargo on XXXX XX/XX/XXXX- talked to two agent. One agent made an excuse that the purchase is more than 6 months so now can not be disputed. One agent made an excuse that the purchase is more than 4 months so now can not be disputed 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  Even till now Wells Fargo couldn't do anything regarding this dispute. 
XXXX XXXX already charged my credit card for XXXX check-in bag and XXXX cabin bag for the entire flight from XXXX. But still my wife ( XXXX XXXX XXXX was charged for check-in bags by XXXX even when it was thru check-in. 

My wife filed CFPB complaint # XXXX on XXXX XX/XX/XXXX regarding the same. Wells Fargo is simply playing tricks with me and my wife and not doing anything against XXXX and XXXX XXXX. They keep on passing the buck to me and my wife to call separately. Finally today we were on the phone call with them at around XXXXXXXX XXXX central. 

Wells Fargo need to resolve this dispute efficiently and give us the resolution in a timely manner.

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 2023-12-18
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
received a XXXX $ amex egift card from work, msm technology. unable to add to XXXX funds, paypal, use on any website i've tried/wanted. unable to use in store because it's not physical. have spoken to their 'help center ' 4 times now.. only to get told 'try again in a week. ' called asking for a cheque, was hold to 'call later ' or 'call back ' because we can't do that currently. i've been hung up on as well after the person has acknowledged my voice/name and refuses to talk. i'm overly cordial on calls and it feels like i'm being abused. 

the card has no outstanding holding or wait on it. it's just sitting there, unable to be used, and flat out feels like a scam. it had previous XXXX XXXX holds for trying to add it to their funds and failing ( big surprise ). this is happening to numerous coworkers as well. i have checked the website and it claims the funds are in full and able to be used. this happened a few years ago and they sent a cheque via mail, in 2020? ( different address ) i believe. these cards are a literal scam. never had an issue with visa. 


i am requesting a cheque be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX or XXXX, i'd take XXXX. 
XXXX thanks for your time, consideration, and assistance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12
Company: Southwest Credit Systems, L.P.
State: MI
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:
Southwest credit systems placed a debt that is closed from XXXX. The account was fraudulent and closed. The date showing XXXX XXXX is not the correct date. XX/XX/XXXX I was homeless. 



XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX > I currently have XXXX and I dont owe them anything. Attached is my current XXXX bill showing you active XXXX account<

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Wells Fargo Auto Finance Vehicle loan Account XXXX. XXXX Date of XXXX XX/XX/XXXX to XX/XX/XXXX The vehicle was repossessed in XXXX and I had to file bankruptcy due to the high interest and rising rates of the loan.

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 2022-11-20
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I received a collection letter from US Bank XX/XX/XXXX after I fell behind on my State Farm Visa. I wrote to them XX/XX/XXXX stated I believed the amount was incorrect because I had recently made a {$110.00}. payment and stated all communication must be in writing. They received this letter XX/XX/XXXX. I made an additional {$100.00}. payment in XXXX to be a payment ahead since my card was due the XXXX of the month and my income was deposited the XXXX wednesday of the month. I have made a monthly payment of {$100.00}. each month. I heard nothing from XXXX XXXX until XX/XX/XXXX offering a settlement. I wrote a counter offer promising the payment of {$100.00}. I will be making until XXXX of XXXX. Also again stated all communication must be in writing. The only response I got was a letter stated unless I agreed to phone communication I could not be informed of offers. 
As I neared the final payment I checked on the status of this account from experian and found the account is listed as closed charged off and all payments are late. I contacted experian and upon review they sided with US bank. 
Wrote US Bank on XX/XX/XXXX which they received XX/XX/XXXX and their response is I had no payment plan in place because they only communicate by phone. 
So why am I not allowed written communication the only way to hold someone to a deal is to have it in writing. They never stated they weren't accepting my counter offer. Just because they want the right to phone me every day is unfair I have made my payments as I stated and had hoped to be at the end of this ordeal, must I continue to pay them or can they be held to my offer of XX/XX/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 2017-12-17
Company: EQUIFAX, 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 information incorrect

Complaint:
My personal information has been used Equifax I found 18 Hard Inquire In one year 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 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fellow XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not aware that this was happening until recently I have a XXXX XXXX account from XXXX XXXX for {XXXX} that I 'm working on trying to get off my credit as we speak I did a father account did a police report XXXX game medical XXXX XXXX XXXX {XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {XXXX} XXXX XXXX I 'm just now at XXXX trying to get my credit together together and and I also would have some to update my personal information some addresses if you can just give me a call at XXXX XXXX XXXX XXXX XXXX birthday XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: LEXISNEXIS
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was denied Insurance XXXX XXXX XXXX. They stated LexisNexis gave them a Report on me, and based on the Report from LexisNexis we deny you the XXXX. They further stated, " we paid LexisNexis {$190.00} for the Credit Report on you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I filed a complaint against a buyer for an item I had purchased on XXXX. Paypal told me in order to receive my refund I would need to return the item and provide proof of tracking. I returned the item and sent PayPal proof of shipping from XXXX. I provided a tracking number, picture of receipt from XXXX stating the address it was sent to, and provided picture of the label ups printed on the package. I sent the item to the exact address Paypal told me to send it to. Paypal then told me I 'd receive my refund in 24-72 hours. It 's been 10 days and still no refund. When I call Paypal they keep telling me to provide the same proof and I 'll receive my refund in 72 hours. Like I said it 's been over 10 days and still no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
LOANDEPOT XX/XX/2022 I spoke with several agents to see if I could get a copy of my XXXX information on my home loan because I am considering transferring it over to a trust. Many agents did not know what that was but I did speak with someone who told me that it was on its way via mail, I never got it. 

XX/XX/2022 I reached out and asked them who was the servicer on the loan,, no one could answer this as well. 
Considering that no one has official made this a contract as I view my disclosure by me and my husband. Also after viewing what has been recorded only me and my are the only one who has signed the most of the doc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: JPMORGAN CHASE & CO.
State: PA
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:
Inquires on my account from companies I do not have an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: PRESTIGE FINANCIAL SERVICES INC
State: PA
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:
The vehicle was repossessed XXXX years ago. On my credit report showing at the balances are increasing, and that I have XXXX years of late payments from the car was already repossessed and sold at auction.

Company response to consumer: Closed with explanation