BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called Chime for account questions in late XXXX XXXX. When I was connected to an agent he did not confirm my identity prior to providing my account information such as my balance, account number, card number and security code on my card. I expressed concern that my account was not secure and they stated my account was safe. I noticed a few weeks ago my account had changes I did not make or authorize. Most charges would be when I would be working, so I would have been physically unable to make the transactions. Beyond that, some transactions were made hours away from me and even some in another state. I filed a stolen card claim and disputed the transactions. The entire time the dispute team was unprofessional and I had to keep repeating myself multiple times because they were laughing and joking around with a coworker. My dispute has been denied and when I called to appeal this I was told they dont do that and that it was closed and I couldnt do anything about it. Im now missing over {$700.00} and cant get anyone from the company to assist in this situation, including supervisors. I attached emails where Im given confirmation emails of my sent information and those followed up with emails saying they dont have those emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am eligible for a payout due to higher interest fees that shouldn't have occurred on my current car loan with Wells Fargo. I have had a car loan with Wells Fargo in the last 5 years and my payout is eligible if I had a loan between 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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-05-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an excellent credit record. Usually, I schedule my credit cards payment ahead of time on the computer, to be paid on the due date. Back in XXXX, I schedule the payment of {$4500.00} to be paid on XX/XX/. On XX/XX/ I checked my bank account and found that the money was not withdrawn. This credit card bank has a problem with their website. I had a similar problem with them in XXXX last year. They recognized the problem, and I was credited with the late fees and interest. This time I called the bank again and explain the same problem. I paid over the phone immediately. The representative acknowledged the problem and told me to call after I will get a statement and they will remove the late charges and interest fees. 
I was upset with this situation and canceled this credit card. I have quite a few of them and never had any problems with the websites of other banks. 
On XX/XX/ I got the statement with {$39.00} late fees and {$73.00} interest fees, I called the bank and they refused to correct those fees based on " it was done ones in XXXX. '' If their website is not working properly why the customer must pay for it??? This is ridiculous!

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 2021-10-07
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Our mortgage loan was sold to Shellpoint/newrez, which has provided false and misleading information to us regarding our Covid forbearance, turned down at the end of our deferment period adding payments to backend of our loan despite saying we could do that, said that during the review process that they would not notify credit agencies that we were late while still in their review process but notified them anyway leading to a 50+ point drop in my credit rating overnight which has put my career in jeopardy and prevents me from obtaining alternative and/or additional financing to bring the loan current, on which they will not allow me to begin paying unless its its the total outstanding balance ( $ XXXX ), which is unrealistic. Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XX/XX/2023 I called the customer care line provided by Avants website ( XXXX ). I told the agent I lost my card and they transferred me to another representative, the next representative said they would have to transfer me as well, stating they'll they were having technical issues as the reason. The representative eventually hung up when I asked why. I went back to the Avant mobile app, to where I see my card number has been changed. I call and ask why, this representative tells me the new card was issued and sent already. I found this to be odd because I was requesting that my card be sent to a new address. All my mail to the address on file with Avant is to be forwarded to my po box in NC, I assumed I'd wait. I waited for the card and all I found is that my card had been used at a gas station in XXXX, NY. I'm currently located and scheduled for work in Virginia Beach, it's impossible that my card was activated and used to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  account XXXX has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction

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 2021-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
please remove these 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-07
Company: Conduent Incorporated
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I opened a dispute with the Go-Program ( Prepaid, Way2Go Card ), on XX/XX/2022. After my purse with wallet inside was stolen from the airport. The card was used after my son 's father paid his arrearage of {$3600.00} out of the blue without me knowing. I only found out when I received a letter in the mail from the Friend of the Court of XXXX XXXX. I looked at the app on my phone and noticed that the amount was loaded on the Way2Go card and noticed several transactions and immediately realized that I did not re-order a new card due to my son being XXXX now and never really receiving more than {$50.00} from him on that card in the past. I didn't have a valid number to reach out to Way2Go, so I started XXXX ways to reach them, and finally got to a live person, but only by putting incorrect information in the automated system. On XX/XX/2022 I spoke with a live person and was told in 7 days that I would receive a questionnaire form and to complete it and email it back to them asap. The form took over two weeks, and when I receive it, I completed it that same day and sent it back ASAP on XX/XX/2022. My dispute was denied due to my card being used in XXXX XXXX, MI, ( which is where my purse was stolen ), and told that if I wanted to go further to send a letter explaining what exactly happened. I did that as well and emailed it to them on XX/XX/2022, two days after that I was denied again for the same reason, and pretty much was told that I had one more chance, and then after that they were done with me. I spoke with two supervisors named XXXX and XXXX and both were rude and unhelpful. They informed me that there wasn't a higher power and that it ended with them. I sent another attached letter to their email on XX/XX/2022 and was told on XX/XX/2022 that I was denied again due to the same reason and that they were done with me. This company is XXXX and very unprofessional, I do not believe that this was properly investigated because if that were the case, they would have refunded me the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In 2022 i have been trying to complete a consumer transaction in purchasing a home and i noticed alot of discrepancies and inaccurate damaging information in my credit history from multiple credit reporting agencies. I have reached out to the agencies and they did not response. According to the Laws of USC 15 U.S.C 1681 these are not supposed to be on my credit account these reporting agencies have cause grave damages to my character and ultimately decrease my ability to transact consumer actions.

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 2021-10-07
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX  reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
UN-AUTHORIZED INQUIRIES CXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: CITIBANK, N.A.
State: CA
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/2018 Citibank charged me an overdraft followed the monthly service fee. However this is different from what mentioned in the card member agreement. 

" Our overdraft fee is {$35.00} per item whether the overdraft is by check, ATM withdrawal, debit card transaction. You will be charged no more than three ( 3 ) overdraft and insufficient funds fees per day for Consumer accounts. " Definitely, monthly fee does not belongs to check, ATM withdrawal, debit card transaction. Moreover, I have never opt in overdraft protection and the overdraft fees ( As the attached files ) should not be charged. 

I talked with the citibank banker before, they said they can not waive the fees for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They contacted me couple times a week for over a month now. They have been reaching out looking for a family member. I told them I dont know where she is. I have lost contact with her after she never showed up to my grandmothers funeral. Ive refused to speak to her or acknowledge her ever since. I told the company that multiple times and asked them to stop calling me. They are bringing up a trauma every time they call.

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 2021-10-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Friday XX/XX/2021 I attempted to call JC Penney/Synchrony Bank about settling the amount on my account and closing it. It is recorded on my credit report. I was transferred to a different department which had a pre-recorded message stating it was outside of business hours but did not state what those business hours were. I called back the number I was given to directly reach this department and I still received an automated message on Saturday. On Saturday afternoon, I was LIED to that this Department was still accepting calls and was not told it had entered an upgrade status. They placed me on hold and disconnected my call. I attempted to call again on Sunday, with no success. On Monday XX/XX/XXXX, I spent hours trying to talk to someone about my account. They gave me the run around and I was able to reach someone after begging to speak to someone anyone about my account. The system is down for 3 more days until XX/XX/XXXX. As a financial institution, I am owed a fiduciary duty as a customer attempting to settle debt. I spoke to a manager who clearly stated that it was a tough decision to bring the server down and admitted the system had been down since over the weekend, which was not disclosed during the many calls during the weekend or on Friday. The manager first stated they were not open during the weekend, so I apparently have to make hour long calls during two days of which their system is fixed. This is unacceptable, especially as a financial institution, unable to manage accounts during regular business hours, intentionally deceived, and not one person able to speak with me about my account. A normal financial institution should post hours they are not in operation. This was not posted on any of the websites, let alone the representatives having no knowledge the system is down. Im sure they are collecting interest on amounts due even though they have no one to manage accounts or even talk to customers. 

When I called while the update was completed, they still indicated they can not access my account due to technical difficulties. They are still collecting interest on amounts due and are reporting these activities on my credit report.

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 2023-02-16
Company: EQUIFAX, INC.
State: SD
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 legal full given name is ; XXXX XXXX XXXX, I go by NO other name, the credit reporting agencies will nor delete the wrong names off of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove these accounts 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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 found a number of mistakes on my credit report and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.

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