BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Chime Financial Inc
State: NH
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:
On XX/XX/23 a charge was made on my account for {$370.00}. This charge was supposed to be refunded back to me on XX/XX/23 yet no funds have been received and the bank is saying I wont be getting any funds. Ive banked with Chime for 4 years and this is the first issue Ive had and the first time Ive actually needed help. I need this money back asap Im astonished Chime wont give me my funds back. Im getting scammed by my own bank and by VIP Auto

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Selene Holdings LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have had multiple issues with Selene Finance but the following is only a complaint regarding the escrow account. I had to file for XXXX XXXX XXXX  XX/XX/XXXX after taking over the property from my ex wife. This XXXX  was XXXX the end of XX/XX/XXXX. In XX/XX/XXXX we received an escrow analysis stating there was a surplus of over {$7000.00} but I would not receive the funds due to being in active XXXX. The official cure document filed in XXXX  court on XX/XX/XXXX stated there was a surplus of over {$5000.00}. I received another document in XX/XX/XXXX stating that I had a shortage of over {$2800.00} and that my payment would be going up to cover the shortage starting XX/XX/XXXX from the regular payment of {$870.00} to {$1000.00}. My wife and I immediately started calling to resolve this issue as there was never a check sent to me nor applied to the loan account. The representatives state they escalate this information to the XXXX  and escrow departments but no one ever calls back. We have spoken to supervisors and customer care advocates and their answers are always the same " we see what you are talking about we are still researching this ''. We were told that this would be completed by XX/XX/XXXX but now the date changed again to XX/XX/XXXX as well as " we can not commit to a date '' but I still must pay the additional difference in the meantime. We have emailed their customer care team that we disputed the shortage. No one seems to know where the money has gone. 
From the time of the surplus in XXXX to the shortage in XXXX, only two transactions took place- {$580.00} in XX/XX/XXXX to pay for the property taxes and {$1400.00} in XX/XX/XXXX to cover homeowners insurance for the year. There are suspicious entries on the escrow analysis they provided where it shows a negative transaction of {$17000.00} and a positive entry of {$11000.00}. This has not been addressed although we continue to bring it up with every conversation we have had. I have also included mortgage statements where it varies month to month what is owed. At XXXX point we go from owing the regular payment in XX/XX/XXXX to owing {$21000.00} in XX/XX/XXXX. 

Please advise the next steps as we have had to go so far as to contacting the XXXX  to get a simple payment history, but the information we requested was not provided fully. We asked for XXXX to current and was only provided from XXXX. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Security Credit Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I recently discovered I have been getting charged a $ 12 Monthly Maintenance Fee for the past 5 months ( XX/XX/XXXX - XX/XX/XXXX XXXX in my Bank of America " Money Market Savings Account ''. This account was set up in XXXX at the same time as the " XXXX XXXX XXXX '' checking account. One of the criteria to avoid a monthly is noted as having a direct deposit in excess of {$250.00} during each statement cycle. I have exceeded this threshold for the entire duration of the accounts, but the deposit has been into the checking account assuming they were linked. Apparently, per a call with BoA customer service on XX/XX/XXXX, even though the accounts were created at the same time, they were not linked as only " grandfathered '' accounts can be linked. This nuance is not clearly explained nor apparent since both accounts come up at the same time when logging into the website. Had this been more transparent I could have easily split the direct deposit amount to go into both accounts separately and still met the minimum threshold. The minimum balance of the combined accounts would have also satisfied the fee avoidance requirement.

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 2023-01-23
Company: EQUIFAX, INC.
State: TX
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I don't think the credit bureaus are taking it seriously and just giving me the run around without following the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from XXXX XXXX and associates regarding a child that is not mine and I have no legal obligation to. 
My daughters friend was at our home and injured herself. Her mother does not live in XXXX she stays in Tennessee, therefore I took her to the hospital to be treated. 
When I arrived to the hospital I had to give my information for her to be treated as she is a minor. 
I should not be held responsible for this bill it should be the responsibility of the parents. 
I explained this to XXXX XXXX and XXXX and they are saying XXXX still legally obligated for the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX accordance with the Fair Credit Reporting act XXXX 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 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 2023-06-05
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: TX
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:
After several attempts to get the account removed from my credit profile after learning of the class action settlement. There was a 33 state predatory lending class action settlement against XXXX XXXX XXXX where XXXX agreed to relieve loans and help repair the people credit affected by there actions. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within days of receipt of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX  Wells Fargo illegally paid out from my Wells Fargo checking account that is clearly fraudulent. " Proof of Payment '' to an American Express account made by " XXXX XXXX '' in amount of {$4500.00} ( attached ). Post filing fraud complaint with Wells FargoXXXX XXXX, Wells Fargo claimed this is a legitimate payment and no further action taken. This is in direct violation of Consumer Financial Protection Bureau ( CFPB ) section 1005.6 Liability of consumer for unauthorized transfers. 

XXXX records shows I have no American Express detailed in XXXX XXXX contrary to what Wells Fargo claims. XXXX shows no open American Express accounts belonging to me for 20 years. Wells Fargo claims ( ref XXXX ) the IP address originates from Nevada thus a valid transaction. 

Wells Fargo claim using IP address covers all Nevada and does not refute their own proof of payment facts that are shown in their records. 
1. Who is " XXXX XXXX XXXX who made this transaction as seen in proof of payment? 
2. Why is the address shown on proof of payment over 20 years old and no longer valid? 
3. Show me which account that was paid to American Express. I've contacted

American Express and they have no record of this payment. 4. American Express is not listed i
n my bill pay ( per Wells Fargo claims ) for decades.

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 2023-02-14
Company: EQUIFAX, INC.
State: DC
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:
My current credit report is showing a hard inquiry from XXXX of XXXX on XXXX XX/XX/2023. I did not authorize this inquiry, contacted Equifax directly to have it removed, and yet it is still showing on my report. This is very disturbing, and concerns me that Im at further risk of identity theft. What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: TX
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:
After several attempts to get the account removed from my credit profile after learning of the class action settlement. There was a 33 state predatory lending class action settlement against XXXX XXXX XXXX where XXXX agreed to relieve loans and help repair the people credit affected by there actions. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After several attempts to get the account removed from my credit profile after learning of the class action settlement. There was a 33 state predatory lending class action settlement against XXXX XXXX XXXX where XXXX agreed to relieve loans and help repair the people credit affected by there actions. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within days of receipt of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX, I started to pay off my private student loan with Wells Fargo, which was a disbursement of {$16000.00}. As of XX/XX/XXXX, I've already paid roughly around {$17000.00}. 

I called the bank regarding the remaining outstanding balance I see on my account, and it's standing at $ XXXX. 

I asked why the amount was so high and they informed me it was due to the interest. Apparently, all my payments were being applied to the interest, not the principal balance. 

To my understanding, the interest should accrue either monthly or annually. However, they informed me that the interest rate, which they informed me was 10 %, has been accruing daily and will keep accruing interest until the loan is completely paid off. 

I want to report fraud that interest should not be accruing daily, or I'll never pay off this loan. I tried requesting a copy of the contract and I've yet to receive it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
I file a dispute on XX/XX/19 with Experian on some names on my credit report and on the the XX/XX/2019 I got a response back from Experian showing that the names has been remove and deleted from my  report but today I look at my credit reports and it's still reporting the 2 names that I got deleted and I call Experian and the rep XXXX got a attitude on the phone with me because I show him poof of the 2 names been deleted on my report but he is saying that they can not remove names off my report because credtors is reporting them names got deleted well I told him that's the hold thing why I wanted it off my credit reports because I go by XXXX XXXX XXXX., ... And I told him do he know how many XXXX XXXX XXXX and XXXX XXXX are in the United States ... .. And I don't know nothing about these accounts reporting XXXX XXXX XXXX ACCOUNT # XXXX .... XXXX XXXX ... ACCOUNT # XXXX XXXX XXXX XXXX another account that I have gotten off XXXX and XXXX for report false information XXXX XXXX ACCOUNT # XXXX I HAVE no idea who are these accounts I had bad credit all my life and never applied for no credit in a while so how is all these items is on my credit report it's call fraud EXPERIAN no it but won't fix they just wan na make a few bucks off a poor man like me but I got screen shots of everything if I got ta take y'all to court

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-07-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXX Specialized Loan Servicing, LLC ( XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX. 
XXXX XXXX, CO XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX Dear Sir, Greetings. The above mentioned company violated our rights multiple times via their negligence, intentional deceit and unfair business practices. 

This is our SIX Complaint against Specialized Loan Services, LLC for their belligerent and persistent violations of our privacy, negligence, ongoing campaign of unfair Business Practices, predatory practices, negligence, and fraudulent intents. 

In addition to Violation of " Fair Debt Collections Practices Act '' supplemented with evidence ( attached ), via the following : 1. Failed and continued to fail in issuing and providing Monthly Statement of Account for our Mortgage Loan.

2. Failed and continued to fail in crediting the Monthly Payments to the CORRECT month ; Posted clearly on the Cashed Checks, Listed Clearly on the Monthly Coupon provided by them and even after multiple written and verbal communications via mail, and phone calls, including Multiple Complaints to the FTC!

3. We received a letter from SLS today ( XX/XX/2021 ) referencing the WRONG payoff amount, the WRONG due date for next payment ( monthly payments made AHEAD OF TIME till XX/XX/2021 ). 

4. >>>>>Check # XXXX cashed on XX/XX/XXXX as a full payment for the month of XX/XX/2021. >>>> Check # XXXX Cashed on XX/XX/2021 as a full payment of the month of XX/XX/2021. Check # XXXX Cashed on XX/XX/2021 as a full payment for the month of XX/XX/2021. >>>> Check # XXXX Cashed on XX/XX/2021 as a full payment for the month of XX/XX/2021. ( Copies attached ) <<<<<< @ @ @ @ This ACCOUNT Monthly payments are PAID IN FULL, PAID IN ADVANCE AND CLEARLY INDICATED IN EACH AND EVERY CHECK ON THE TOP PART @ @ @ @ 5. Erroneous and unauthorized fees was levied to the account for Statement Fees {

$25.00}!! 6. Erroneous and unauthorized fees was levie
d to the account for Release Preparation fee
s {$20.00}!!

7. Finally LATE FEES for {$90.00}, in total a belligerent violation of our Contractual Agreement ( Mortgage Note ) which clearly states ( ZERO FEES ) can be charge at any time even when / if late. ( Cop of Mortgage Note attached ).

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