BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have Chime. My debit card was compromised so they cancelled it and were supposed to send out a new one within 10 days. It has been well over XXXX weeks and it still has not arrived! They sent me a virtual card which cant be used to get money orders so when my rent was due, I had to cash app the money to my daughter which charged me a fee and had to deposit it into a new bank account I had to open with a new bank. Because of all this, I was also late paying my rent and have been charged a late fee because rent was late. I tried contacting Chime via chat. They asked if my address was correct which its been the same since I opened my account with them. During the chat I realized that it was not a live person I was chatting with but a computer generated chat! I am getting rid of Chime completely after this nonsense but I still want to hold them accountable so that this does not happen to other people. I have spoken to several people that have Chime also and they claim that they also have to wait longer than the 10 days to receive a replacement card. It took forever to get my first cards. Its unacceptable! To deposit money into your chime account, you have to go to a XXXX XXXX  or other approved location and PAY to add money to your account. EXAMPLE : I have a bill due and its {$100.00}, I want to pay through my online so i go to deposit money to my account. I would pay the obvious {$100.00} deposit and then a fee for depositing that cash into my checking account! If you dont have it direct deposited, you get charged a fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, Multiple attempts have been made to resolve an issue regarding the escrow on the account and the forced insurance that would be placed resulting in an adjustment ( more money monthly ) in the payment. Since XX/XX/2020, documents regarding insurance information was faxed by myself, the homeowners association and the insurance provider. A letter was received from Shellpoint stating the issue was resolved as of XX/XX/2020. Fast forward to XX/XX/2020, the insurance placed on the escrow account was added resulting in an additional {$37.00} per month. Calls to Shellpoint seem to go unresolved with the latest XX/XX/2020 with a XXXX XXXX, XX/XX/2020 a XXXX and the last one with a XXXX XXXX XX/XX/2020. 

All customer representatives have apologized and have given various responses to why things have not resolved all conflicting the last representatives information. The last call I was informed things did not escalate however a payment can be made over the phone and Shellpoint could manually place the previous payment back on the account. If more information needed/required, please advise. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: NAVY FEDERAL CREDIT UNION
State: HI
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:
I have credit inquiries on my report that I do not recognize. 
XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mid XXXX i went through a divorce and during that process debt was divided. This credit was to be paid by my ex partner. I attempted to resolve this issue once i was able to get a full time job towards the end of XXXX which shortly after was affected by covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: ID
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-05-26
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with Rocket Mortgage and they issued a Loan Estimate titled Loan XXXX on XX/XX/XXXX. I notified them of my intent to proceed 5 business days later. They lied to me at the time and said that I was past the date to accept that LE and that it had expired. I understand that I have 10 business days to respond to a LE based on TILA-RESPA rules XXXX 

They did end up saying that they could honor the original terms and started a new loan in their portal. I signed those documents at their request while on the phone confirming that we would still be locked on the original terms. XX/XX/XXXX their portal showed a locked rate of 6.25 % as discussed with the points covered under a lender credit. 

On XX/XX/XXXX at approximately XXXX, I received a phone call from the banker informing me that RM would not honor the rate lock and would require me to pay for points at a cost of about {$5400.00} to keep my 6.25 % locked rate through XX/XX/XXXX. They said the rate lock had expired on the loan I proceeded with. While the new loan did not show the same rate lock date and they are correct there, I specifically requested that we proceed on the terms dictated in the loan estimate from XX/XX/XXXX. 

I have requested multiple times today to have them proceed with the LE that was sent to us and is in effect till XX/XX/XXXX which would be 10 business days from when it was sent on XX/XX/XXXX. They have continually denied my request to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In my follow up to a previous complaint, Iam very unhappy with their response. They are trying to remove themselves from this process yet Iam making payments to them. They suggest I contact the dealership, I guess this is where the runaround begins. I want to know who the " SCUSA '' is and if they are not affiliated with the dealership, how did they become involved in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: First Technology Federal Credit Union
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I have made multiple attempts in the course of many years now to try and find a solution with the bank on my personal loan. The minimum payment is too high. And the bank time and time again refuses to discuss options or programs they have available. Emails to their CEO including upper level management personal have gone unanswered and to my assumption probably deleted unread. The bank is well aware of my difficulty with repayment. And instead of helping me as any other bank has they have instead killed my credit to the point I'm considering bankruptcy and other services to discharge this bill and end ties with the bank. 

I have mentioned that I can and will only be paying a lower amount month on my loan. This is probably going to cause them to keep sending late payments to my credit and piling up fees on me. But at this point they can can do whatever they need to as they can't hurt my credit any more than it is. And if I mentioned that the lower amount is all I can pay, using force to get more will result in no additional payments as I'm literally giving everything I have in my possession to make a payment. I'm not refusing to pay. I'm making the payment I am simply not making the agreed upon payment because I can't do it anymore due to financial hardship. 

Today, I've attempted again to get help. The bank asked me to fill out a refinance application which they knew their system would decline. Basically making a mockery of the situation and bullying me. This is a new level of unprofessionalism I've ever seen. And board-line harassment. I have every single email sent including all my attempts to work with the bank documented. I've made every attempt to pay back what I am responsible for as that's the focus of this compliant. I want to pay it. I just need help. The bank probably made back at this point the entire value of the loan in interest payments that they have been charging me. So the bank isn't at any lost to work with me. It would be a win for them as they make even more money out of me while in the process making sure to make my life XXXX for many years to come. They win, and I lose big. 

Again, my complaints and escalations are all in attempts to secure a new agreement with the bank to be able to reduce my minimum so I can satisfy the enter amount. If the bank works with me and is able to reduce the amount then this compliant is satisfied. If the bank continues to play hardball I will continue to move forward with escalations and complaints until we can agree on something that works for everyone. 

I'm not running away from trying make payments I'm just trying to instead make the payment without further harassment from the bank. I look forward in hearing from them.

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 2017-07-01
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The Citibank offered several promotional offers in XX/XX/XXXX. One of the offers required a deposit of {$25000.00} in a new account ; keep it for 90 continuous days for a cash bonus of {$500.00}. I contacted a personal banker of the Citibank who verified my account and eligibility requirements to receive {$500.00} bonus. The banker opened a new XXXX XXXX XXXX XXXX for me and instructed on how to transfer money from another bank to the new account. After the banker assured me that I was eligible to receive the {$500.00} bonus, and the {$500.00} will be deposited into my account after 90 days, On XX/XX/XXXX I started to transfer {$25000.00} from XXXX XXXX to the Citibank. The {$25000.00} transfer was completed on XX/XX/XXXX. The Citibank has not yet deposited the {$500.00} bonus as promised. The bank insists on offering only 10 times the interest up to {$500.00}. I never participated in any offering that offered 10 times the interest.

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 2023-12-02
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have written a complaint against this company XXXX times since an issue arose over who owned the car. I was forced to file a lawsuit for this matter, however, my complaint today relates to this showing on my credit report. According to XXXX of the XXXX leaders, they will remove this information from my credit report and close my account. Furthermore, it would not appear on the credit report as a charge off. In the letter that I will attach, it is also stated that the account would be deleted. Due to the issues we have had, I would like them to completely delete this account, as if it never existed. I believe that they are under the impression that I am asking them for the vehicle. As far as I am concerned, that is a legal issue that can only be addressed in court. I am asking that they keep their promise which is deleting this vehicle from my report I do not take ownership for any loans are liens With Flagship.

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 2023-12-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
there are 2 hard inquires in my XXXX credit report were NOT from me. One is from TD Bank USA/Target inquired on XX/XX/2023. The 2nd one is from XXXX XXXX XXXX XXXX XXXX ), I need these two hard inquires to be removed from my credit report and also I want to make sure the two places ( Target card and XXXX card XXXX do not issue the store cards out in my name. Someone must have stolen my personal information and trying to open store cards to do shopping!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collections account from Portfolio Recovery showed up on my Consumer Report, without ever reaching out about alleged debt out. I never received phone call or mail about alleged debt owed. I then attempted to contact the company by email and letter, requesting validation of debt owed and never received any correspondence back. I requested validation of debt. To this day, I have never received any communication from Portfolio Recovery regarding this debt or any validation that I owe the alleged debt. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Allgate Financial, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Judgement in NY against XXXX XXXX for {$1400.00} by XXXX XXXX XXXX, XXXX in XX/XX/2013. 

I believe that this violates CFPB Admistratuve PrAlso, the judgement from 2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can close. 

Also, the judgement from 2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can proceed This came up during a refi and not in a credit report this week during a title search. I have no knowledge if this judgement and have had several where this judgement never appeared. 

Please remove and or show proof of service. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Al XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account XXXX : XXXX XXXXI Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, 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 tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link.

1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide XXXX. 
2. I tried again and filled out everything, clicked submit, and was a message from Trans Union saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the 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 explanation
Consumer complaint received 2020-11-13
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the last 6 months I have repeatedly asked Wells Fargo to turn off overdraft services on my account and every time I have they have ignored the request. These fees have started to become such a burden that it keeps making it so that by my payday I am certain to be back in the negative because of these fees that I have done everything that I can to avoid.

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 2022-11-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -

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 2018-11-01
Company: Experian Information Solutions Inc.
State: HI
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 have disputed this collection on this XXXX XXXX** for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$150.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$180.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from 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 explanation