BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-30
Company: Chime Financial Inc
State: CO
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:
The credit utilization reported for this account has been historically incorrect and the company has been grossly negligent in their reporting. Utilization is and has always been incorrect, often stating a balance 5-10x the actual dollar amount. I have reached out to the company in multiple occasions requesting that they fix this issue, only to receive a response that it has been completed, while seeing my utilization increase. At this point in the ( and for the last 60 days ), I have held a {$0.00} balance. My credit reports are showing almost {$5000.00} ( and rising with each report update ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo has been in contact with me and my ex husband XXXX XXXX regarding loan modification paperwork for the past XXXX months. They have contacted on a couple of occasions stating that they would send me loan modification paperwork to my current address which I provided them. Most recently regarding the loan modification they contacted me on XX/XX/2021 requesting my drivers license as proof of my current last name so that they could change my name on the loan and send me paperwork to my address regarding the loan modification. I never received paperwork at anytime with regard to loan modification and in fact at the date of the conversation on XX/XX/2021 the loan modification had already been processed. I am still on the loan and they have processed the modification by XXXX XXXX simply crossing my name off the paperwork. I have contacted Wells Fargo about the error and their company misleading me about the process and steps that were taken when speaking with me. I requested that they send me all documents regarding the loan modification that were signed immediately before anything is redacted or changed and that there be a flag on the account so further changes can not be made to put me at a disadvantage or further process the paperwork. Wells Fargo stated that they could not send me the loan modification paperwork and did not state that they would place any flag on the account or take any immediate action on the individuals within Wells Fargo that processed this. At this juncture I need to know what next steps can be taken as they willfully deceived me and still are not sending me paperwork for the account I am listed on.

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 2023-12-12
Company: V and H Portfolio
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Vance and Huffman LLC, XXXX XXXX XXXX XXXX, VA XXXX Amount stated on all three credit bureaus is {$1200.00}. I have no knowledge of this account from XXXX XXXX XXXX one day it just showed up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: WELLS FARGO & COMPANY
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/21 I got into a wreck in my new car i only had for a month on my way home ( not at fault wreck ). I called Wells Fargo and told them it happened and they said they would take care of everything. When I was away at a military school in Florida my wife called me and said that the Gap company wasnt going to cover the loan because Wells Fargo failed to send the paperwork in on time and they sent the paperwork past the deadline. I have gone back and forth with Wells Fargo for almost a year now and some of the workers have been nothing but rude and not helpful

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Name is incorrect please delete : XXXX XXXX XXXX I'll never live in the following addresses it is incorrect please delete:XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Delete all the unauthorized hard inquiries from my credit report : XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX This collection is not mine I'm a victim of Identity theft please delete : XXXX XXXX XXXX {$100.00} 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 2021-11-24
Company: EQUIFAX, 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:
Failed to complete a full and investigation in regards to inaccuracies in report. Did not give permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: DE
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:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had over draft protection plan on my business account. The over draft protection plan activated due to low funds in the business checking account. I notified the bank about the over draft protection amount totaling {$700.00} plus. I submitted a request to cancel the plan on the account. The bank informed me I had to pay off the entire amount first along with a signed letter from the bank requesting to cancel the over draft account. I paid the amount in it's entirety and signed the requested form to cancel the over draft protection with the bank manager.However, they never gave me a copy of the signed document.Therefore, I didn't request one thinking it would be documented on the account. I signed the letter in front of the manager believing all problems were resolved. My business account continued without the protection plan approximately four months.  After this time, I went into the branch to requested if there were anything pending on the account. They informed me there was a minimal amount pending from a vendor. I waited a month longer to assure there were no outstanding balances. At this time, there wasn't and I was allowed to withdraw the majority of my funds leaving about {$200.00} for any possible drafts. Next, I took my monies to find another banking institution. One month later the bank contacted me and stated I had another over draft balance after the signing of the document to close the over draft protection. Also, all previous balances were paid in full. Therefore, I went back into the branch to speak with the same manager. She then informs me that after 30 days the over draft protection would automatically reinstate. I inquire, how is that possible when you requested a signed document and balances paid in full? In addition, I never received any letter or call about the reinstatement policy. The manager implied since they put the monies into the account and I spent them. I owed them the  monies back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I have attempted to handle this with Transunion. I mailed a letter and followed up approximately XX/XX/XXXX or so with a CFPB complaint. It has exceeded the time allowed by federal law. 

Please be advised that this is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further action. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this debt is not valid. 

Please verify, validate and document that I am LEGALLY obligated to pay this alleged debt. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. 

PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXX XXXXXXXX DEPT OF ED / 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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were XXXX created accounts created on XX/XX/2022, which I did not apply for and there was one that was created a day before the XXXX. I did not apply for any bank or credit cards. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately.

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 2021-11-24
Company: CHARLES SCHWAB CORPORATION, THE
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Mid XX/XX/2021, I was transferring funds to an external bank account. I received a call to verify the transaction and I confirmed that I made the transaction and was told it would process the next business day. My account was immediately locked for potential Fraud and has been for more than 2 weeks. I call daily to check on the status of my account, it is still locked and customer service tells me that there is nothing I can do because the fraud department is unreachable. Without access to my money I can not pay bills or buy food.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently requested a proof of debt from the collection agency Credit Management who purchased debt from the original creditor of XXXX XXXX XXXX for {$41.00} and then reported the debt on all three major credit bureaus. 

I do not recognize this debt as being mine, nor do I recognize ever having any business with this company. Because of this, it was then disputed on all three credit companies. 

It was quickly deleted from XXXX and XXXX once they investigated and found the debt to be in error. Unfortunately, XXXX has been under investigation since I deputed the debt on XX/XX/2023, with no response from anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
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 have an account listed on my credit as Toyota Motor Credit with a reported balance of {$310.00}. I was in a severe hit and run car accident that hospitalized me and totaled my car back in 2017. At the time of the accident I did have Gap insurance that covered the total cost of the car loan of {$17000.00}. As of today on my credit there is still a reflecting balance of {$310.00}. I have reached out to Toyota Motor Credit on numerous occasions of an explanation of how I still owe {$310.00}, I can never get to a representative and the few times I did get a hold of someone I constantly get transferred and everyone that I am transferred to says they don't see a balance and this account was closed however this is still showing on my credit report. but the GAP insurance sent this company a check. There should be no balance left on the loan because this is paid. I did everything on my end with the GAP insurance company after I got from the hospital to get this vehicle paid in full. I am asking the company of Toyota to fix this on my credit report as paid in full. I want to go back to toyota to purchase a vehicle but this {$310.00} balance is hindering this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: OR
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:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a 0 % APR balance transfer on my Bank of America Credit Card through XXXX XXXX. I have been making the minimum payment necessary each month, which is 1 % of the account balance. A few months ago, my account started showing payment due even though I had already made a payment. I called and spoke to customer service and they said dont worry about it, seems to be a glitch in the website, they see that I clearly made a payment that month. 
However the problem did not go away, and then I got hit with late fees, and the minimum amount due started doubling. Every time I call in, I am told they are attempting to collect a debt from me. When I log into my account Im told account past due. After hours of talking to them on the phone, and lots of escalations, they told me that my XXXX ( due XX/XX/XXXX ) payment didnt count. The money was taken from my bank account and my credit card balance was reduced, but Bank of America would not count it as a payment towards my minimum payment for the month, and therefore in their eyes I never made a payment and my account was past due. It seems not that my payment arrived late, but that it arrived too early - by a only a day. According to their records, the payment was requested on XX/XX/XXXX and shouldnt have been sent in until XX/XX/XXXX. However, they didnt process my payment until XX/XX/XXXX ( all of my other payments have been processed same day or within 1 business day ). 
Although it is very obvious to any reasonable and rational person that this was my payment for the XX/XX/XXXX due date ( it was processed by them right in the middle of the cycle, XXXX days before it was due ), and even appears on the correct XXXX statement and not an earlier statement, the bank refuses to accept that I made my payment for that month, and continues to charge me late fees month after month and tell me my account is past due. 
Please see XXXX statements attached : XXXX statement saying min payment due, {$290.00} XXXX statement showing a payment of {$290.00}, then claiming a past due amount {$290.00}

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 2021-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My EDD card was stolen in XX/XX/2020 and they were using it while I was waiting to receive it and were able to withdraw {$6100.00}. I called to receive a new card and file a fraud claim ( I also filed a police report on the stolen money ) and they sent me a new card so I started withdrawing the rest of the money on the card but on XX/XX/2020 my card was put on hold when I tried to withdraw more money. I called Bank of America the next day and they said because I filed a fraud claim my account was frozen and they would put in a form for my account to be reviewed and unfrozen. I then proceeded to call twice a week and they just kept telling me to keep checking to see if my account reopens. I also reached out to EDD and they said everything on their end was fine so they didnt know why Bank of America still has my account frozen. My account has been closed for three months and they keep telling me they will file a new form and to keep checking if my account reopens. Since my account being frozen in XXXX I have only received one notice in XXXX telling me my account was frozen. I also was told I cant reopen or check on the status of the claim that I filed in XXXX when the money was stolen because my account is on hold right now, they said I would receive a letter in the mail and I didnt receive anything. I still have money left in the account that Im not able to withdraw.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-06
Company: Self Financial 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023 I contacted self credit report in regards of an dispute with XXXX stating that my balance is currently {$1600.00} when my balance is {$900.00}. I asked self representive to please respond to XXXX  with my accurate balance she told me no she not properly investigate and let them know my balance. I am trying to close on a home and this is effecting me by having innacurate on my report this is a violation of code 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
During a trip through XXXX airport on XX/XX/XXXX I stopped at the United Club to get information about accessing that benefit and were provided with a brochure that indicated {$0.00} annual fee for the first year on this card. The United Club representatives at XXXX provided me with an agent code for that offer ( XXXX ) and indicated that the offer expired XX/XX/XXXX. I submitted my application on XX/XX/XXXX, received instant approval, and have since received and verified my card. I was charged the {$520.00} annual fee on XX/XX/XXXX. I contacted customer service on XX/XX/XXXX, spoke to a manager, and was advised to file an escalation through via Secure Messages online. 

The response I received was that the cardmember bonus attached to the card is XXXX miles after spending {$3000.00} by XX/XX/XXXX - not the offer extended on the brochure and not an offer that I would have considered applying for. 

On XX/XX/XXXX I submitted a a question to see how I can change to a no annual fee card, knowing that simply canceling the card would damage my credit score. The subsequent response indicated that the card is not eligible for a " product change '' until XX/XX/XXXX. 

I have not used the card, the only charge is the annual fee. 

The pertinent pages of the offer brochure are attached ( front & back, pages 2-3 with the agent code, fine print pages ). The other pages just highlight other card benefits.

Company response to consumer: Closed with explanation