BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 at XXXX XXXX. My account information including my email, phone, and password was changed on my Chime bank account. Within the next hour roughly {$20000.00} was transferred out of my bank account to various destinations. I did not authorize any of the changes to my account or any of the transactions Ill list below. 

The first was a transfer to user XXXX  XXXX for {$5000.00} dollars. I did not send or authorize to send any money to this user. This transfer has since been disputed and has been deemed and error and I have had funds returned. 

Starting at XXXX XXXX  the same day, a string of 7 transactions took place without my knowledge or consent totaling {$10000.00}. There were payments to two different websites I have never visited or received any services or products from either website. I have disputed these transactions and Chime has determined there to be no error, which is false. 

The last fraudulent item was a Chime credit builder account that was opened in my name which was not authorized by me. The account charged {$5300.00} to websites I have never visited or received anything from. Chime has also determined that there was no error here, which is again false. 

Chime provided no documents or feedback pertaining to the investigation in the email that let me know their were no errors found. 

I have made a rebuttal and requested Chime show me their investigation. I also have filed a police report with the XXXX State Police # XXXX. They are currently investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Avadyne Health Holdings, Inc
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reached out to the credit bureaus to contact the collections agencies alleging I owe them a debt and to send me proof of debt with their company. I never recieved verifiable proof showing I owed debt to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
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: Information belongs to someone else

Complaint:
INACCURATE INFORMATION SHOWING UP

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 2021-12-08
Company: Catch Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I attempted to log into my account and re-link a bank with the company Catch Financial. I reached out to them to reconnect my bank and afterward it worked. 

Soon I attempted a withdrawal request and the bank is denying me the ability to withdraw funds from my account. I have reached out to them on XX/XX/XXXX and XXXX about this issue but they keep saying they are waiting to hear back from their partners, most likely the bank they contract with XXXX. 

They are not in any rush or seem concerned about me obtaining my funds.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information 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 non-monetary relief
Consumer complaint received 2018-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After hurricane Irma I approached WellsFargo to take advantage of the disaster relief assistance since my home was in the affected area, they were very helpful so the agent on the special disaster relief hot-line said on XX/XX/XXXX that I could indeed take advantage to deferred up to 3 mortgage payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and place those 3 payments at the end of my mortgage term ( 30 years ) so I agreed, they promised they wo n't charge late fees, nor report to credit reporting agencies. 
However, starting on XX/XX/XXXX, I started receiving letters from WellsFargo with statements showing the owe amount ( {$2200.00} x 3 months = {$6600.00} ) and that I had to pay before XX/XX/XXXX to avoid late fees, and that my account was sent to Collections, well I called right away and I told them what I was told, well they said, I am sorry if our agent made a mistake but we just forgive the payment for 90 days after that I need to pay the entire amount {$6600.00} so they started asking documents to be send to underwriting to either approved a loan modification or a payment plan, well I sent docs after documents but there was always something missing, actually they place a late fee on XXXX, so I had to call to have it removed, any way, my complaint is that instead of relieving my situation due to loss of income, they aggravated my issue since I had to produce {$6600.00} to make my mortgage current withing 30 days, I was begging on the phone not to impact my credit history, they simply did't care, I was treated like a delinquent customer, the disrespected me, Finally, to my surprise, I received a call on XX/XX/XXXX from XXXX ( wellsFargo agent ) to tell me that they went over the tapes, and indeed they found that the agent told me they will deferred my payments and place at the end of the 30 years term, but unfortunately that agent had made a mistake and they could not do anything!!!!! 

That 's misleading customer, the simply lie to me, and I have to figure out myself, well I had to take money out my 401K to pay the entire amount and be in good status in fear they will report it to the credit bureau. 

I really hope this type of behavior does n't pass in-adverted, they are playing with hard working people, and I would seek some kind of indemnification. 
XXXX XXXX WellsFargo Mortgage XXXX XXXX XXXX XXXX XXXX FL 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 2021-09-07
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Closed on my home in XXXX. Prior to closing I was advised I needed to purchase flood insurance. I called around for prices, FEMA policy was almost XXXX dollars. I was not going to purchase my home due to this amount. I found cheaper flood insurance through a private flood carrier. Closed on the home. In XXXX of XXXX I completed a streamline refinance, everything went well no changes except my APR. fast forward to approx a month ago I receive a letter from my mortgage company advising my current flood policy is not acceptable and I will need to find NFIP insurance ( FEMA ) prior to XX/XX/XXXX or I will have forced insurance selected by the mortgage company. After back and forth with plenty of supervisors and reps the end result was this is an FHA requirement and it was an error that should have been found at my initial closing, each year after and at the refinance. This error by everyone involved will cost be more yearly and monthly as the policy is a XXXX XXXX more. I have received conflicting information from each representative I spoke with. Every time I speak to someone I receive a different answer as to why I received this letter. 
I want a email documented as to how this policy was acceptable since the purchase of my home in XXXX and all the way to XXXX. There was no change to FHA requirements recently which explains why a MANAGER advised me this was an error on everyone who was involved. Which I want emailed to me and have yet to receive.

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 2018-01-19
Company: Diversified Consultants, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Disputes with credit bureaus XX/XX/2017 Received REFUND check for overpayment from XXXX BUT account was sold to Diversified Consultants {$650.00} listed on credit bureaus Diversified offer the settle and delete when debt was NEVER ACTUALLY OWED! Refund check was proof. 
Settled but debt still remains on credit report and is inaccurate and should be deleted. Pursuant to the fair credit act 609, no signed contract was ever provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a {$300000.00} mortgage at 3.25 % for 15 years on XX/XX/2021. I selected a bi-monthly ACH payment schedule XXXX  everything went fine until I received a " Friendly Reminder '' on XX/XX/2021 stating that I was past due in the amount of {$4200.00} XXXX  threatening XXXX  report me to the credit bureaus. I am not past due XXXX  I have no idea where that figure came from. I sent an inquiry XXXX  Caliber on XX/XX/XXXX XXXX  was promised a reply in 2 business days. I have gotten no response from them, despite sending an additional 3 messages XXXX  them. I can not cancel the ACH through Caliber 's website, so I am trying XXXX  cancel it through my bank, XXXX. I filed a complaint with the XXXX XXXX XXXX but have not yet received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
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 noticed that there is an unauthorized hard inquiry on my Equifax credit report that was processed by XXXX XXXX. I didn't recognize the inquiry and contacted XXXX XXXX   to ask them to remove it since I don't have any business relationship with them. A few weeks later, XXXX XXXX   sent me a letter stating that they don't have any record of me in their systems and that they never did any inquiry on my credit file. 
Finally, I contacted Equifax and submitted the XXXX XXXX letter as a supporting document in order to get the hard inquiry removed from my credit report but Equifax responded with a rubber stamp statement saying " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''. 

I don't think Equifax properly investigated the case or even looked at the supporting document that I have provided and I have firm believe that my credit record was illegally accessed and altered as a consequence of the Equifax 's data breach ( The unauthorized inquiry occurred around the time the data breach was discovered ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: ALLY FINANCIAL INC.
State: IL
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/XXXX I purchase a XXXX XXXX XXXX vin XXXX in the amount of XXXX dollars and my financing was with Ally who was the lien holder account # XXXX. XXXX XXXX XXXX, KY XXXX. On XX/XX/XXXX the vehicle was involved in an auto accident and was damage claim # XXXX and total out. I had full coverage insurance with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. On XX/XX/XXXX my loan payoff amount was {$14000.00} Ally gave me a settlement offer amount of {$10000.00} this settlement offer will satisfied the original loan payoff amount and will pay the loan off which would leave a {$.00} balance the loan would be paid in full, and I would n't be responsible if I accepted the settlement offer amount. Ally financial said they will release its interest/ title on the vehicle to my company if I paid XXXX and they said the offer was good until XX/XX/XXXX. XXXX XXXX insurance issue Ally a check on XX/XX/XXXX in the amount of {$10000.00} I had to sign the vehicle title, a letter of guarantee, and sign a Power of Attorney form giving up my rights to the vehicle and the Loan. I signed over my rights from the loan and the vehicle on XX/XX/XXXX. 
I accepted the settlement offer from Ally and they were paid off in full the settlement amount. Months later Ally came back to me trying to collect {$3800.00} from me which I do n't owe anything on this account the settlement offer forgive the original loan amount. Ally has reported this on my credit report and this needs to be remove from XXXX XXXX, XXXX, and XXXX credit reporting agencies. I had recently obtain a copy of my credit report, which contains inaccurate and out dated information reported by Ally I request that they remove the entire account from off my credit. I gave them 30 days and file a dispute with the credit report agencies, In accordance with the Fair Credit Reporting Act, 15 USC section 16811 this is unauthorized and illegal This need to be remove The following account is described erroneously and needs to be deleted The following account was close on XX/XX/XXXX but is not listed accurately on my credit report. I sign over my rights and interest in the loan and vehicle this was agree upon Ally and myself. I have attach documents to support my request. Please delete this account off my report they are wrongfully reportinf false information, and this 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 explanation
Consumer complaint received 2018-01-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello! I graduated in XXXX. Months prior to graduating, I requested to consolidate my 8 private student loans. XXXX XXXX, at the time, told me I had to wait til I graduated to our so. Upon graduation in XX/XX/XXXX,  XXXX XXXX told me they NO LONGER consolidated. I participated in forbearance after forbearance because the amount requested that I pay was over 1200 a month and I worked as a XXXX XXXX XXXX. In XXXX, I lost my job and was given NO relief. I would send {$50.00} a month just to pay something and my credit suffered tremendously. My struggle/fight with XXXX XXXX began in XXXX and still goes on today. My credit remained effected from XXXX til literally last year, even though I was making my monthly payments. A few years ago, I actually hired a company to help me fix my credit and deal specifically with XXXX XXXX/navient.For the past 6 years I have worked for a XXXX XXXX and have had to report my credit problem specifically with XXXX XXXX because you must keep your credit score at a decent level to maintain your job. Even in getting this job 6 years ago, I had to write a letter to the agency that I 'm currently employed, explaining why my credit was so terrible. And it was all having to do with XXXX XXXX/navient. They were able to investigate what I stated in my letter and found truth in it and waived the credit requirements and offered me the job. I am writing to ensure that I am included in the lawsuit being filed. I 'm not sure what documents that I have but I know I have dealt with you all in the past. My last name may have been different at that time. And I 've also had dealings with the " financial advising '' third party company that supposedly woed with XXXX XXXX and would help me and woukd recommend payment plans, etc. I spoke with them, told them my situation and they stated that there was NO WAY YOU WOULD BE ABLE TO PAY WHAT THEY ARE ASKING WITH THE BILLS YOU HAVE. well, I spoke to XXXX days later and that company allegedly reported the exact opposite and that was well able to pay what XXXX XXXX/navient was asking. Please let me know what documentation is needed. I 've been dealing with this for so long I 'm not sure all that I have. But I truly want to be part of the lawsuit. I 've even through the ringer with XXXX XXXX for too long and have been through too much with them in XXXX and even up to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: NM
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:
Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
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:
The accounts listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation