BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: Chime Financial Inc
State: IN
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:
I had 19 unauthorized transactions to XXXX that I did not make on XX/XX/2022 on my chime card and I called them the same day and tried to get them to stop the transactions and they told me I had to wait until they posted and I couldn't even file a dispute until 3 business days passed the total on the transactions was XXXX and XXXX cents and they were made within minutes apart you can clearly see that it's a scam. I then called the merchant XXXX and they told me that I have to have and account or a XXXX  credit card to make purchases through XXXX. They looked up my name my address my social security number my birthday and my email and could not find anything linked to me so my financial institution will have to contact them so they can work together to get this resolved I relayed this to the chime dispute center through a phone call and was informed that they would add this to the case for investigation and they continue to deny my disputes and I continue to call them every day asking why these disputes have been denied and I was informed that I have sent them an email to them with this information in it to get them ro reopen the disputes I emailed them with a reference number from XXXX where I reported it to them so they could work together to get this fraudulent activity taken care of and I can get my money back and they told me it can take up to 90 days in an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: CITIBANK, N.A.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Have had a loan from One Main Financial for less than one year and recently have had personal events that have made it difficult to repay this loan. To preclude filing bankruptcy I contacted a company called XXXX XXXX, ( a XXXX party company ) in an attempt to set up a repayment plan. Recently, One Main Financial has been contacting me at my place of business in attempts to collect this debt. I am a XXXX work for the XXXX XXXX and these calls are starting to annoy others in my office. At the request Clear One I had not made contact with any of my creditors in order to let the entire restructuring process take effect. If there is anything else you need regarding this matter please contact me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My bank statements clearly show that I paid my mortgage on-time each month, however ; America 's Servicing Company is reporting late payments despite several disputes in which I provided documentation to prove that my payments were on-time. I opened my bank account in XXXX XXXX and have attached the bank statement showing auto-deduction of my monthly mortgage payment in the amount of {$500.00} ( which included a small over-payment since my monthly payment was actually only {$480.00} ) from XXXX XXXX to XXXX XXXX, when the mortgage account was sold to another lender. I did not miss a single payment ( I even paid an extra {$500.00} payment in XXXX XXXX so it is n't possible that I became 30 days late in XXXX XXXX as shown in the attached 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
Consumer complaint received 2015-10-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My complaint is not about a lender. It is actually about the verbiage the CFPB created with regards to the FCRA. On page XXXX. The section about sharing a credit report with a consumer. FCRA says a lender can not share a credit report at all with a consumer unless an adverse action is taken by the lender. Problem this creates is that the lender needs multiple things addressed up front that appear on the credit report. This leaves the only method of communicating to ask the borrower to explain late payments, a list of inquiries and a list of addresses as verbal only. Many borrowers just ask to have the list of requirements of explanations to be emailed to them so they can review them and explain them. But the FCRA prohibits this. This is not consumer centric or friendly at all. Is there something in the FCRA that allows a lender to openly communicate in writing with the borrower about these items? Not looking to give the borrower a copy of the credit report but can cutting and pasting or retyping the areas of concern from the credit report be permissible. I only read what I saw on page XXXX with regards to this topic. I have been in the industry for 35 years and with my current employer ( lender ) for 22 years. I am confident while my employer follows the letter of the law other smaller lenders are sharing parts of the credit report with the borrowers with no issues. So my question is what can we do other than just try and communicate this verbally with borrowers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hi, XXXX Acct # XXXX XXXX is inaccurately reporting a balance and past due amount of {$900.00} on my credit report for an account that has been charged off and resold to another creditor.

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 2016-09-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Sale of account

Complaint:
Years ago I applied for and received an XXXX XXXX XXXX branded credit card. When paperless statements were made available, I signed up. I always had at least 2 years of ELECTRONIC statements available to me. One day, XXXX CANCELS my XXXX XXXX card with NO WARNING and switches to Citi Visa. I have made XXXX requests on the Citibank site to retrieve my credit card statements from XXXX XXXX to XXXX XXXX. The website says the statements will be available in 48 hours. They are NOT. No email. No notice. It 's like my entire history of XXXX XXXX has been wiped away.

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 2021-01-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They froze my account because I am a XXXX XXXX I XXXX  XXXX and XXXX them to potential  XXXX. They deposit the money in my account then I release the funds. My account was frozen because funds was placed in 3 times in one day and they stated the a XXXX  stated they sent money in my account by mistake after I already released the bitcoins. It has been a month and Noons has even tried to assist, they are giving the run around

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcies as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

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 2019-05-11
Company: JPMORGAN CHASE & CO.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Friday on XX/XX/2019 at around XXXX I was scammed by someone claiming to sell tickets. I've never been scammed before so this came as a shock. I transferred {$80.00} through XXXX with XXXX and then the person committing fraud blocked me and I never received my item. I called my bank ( Chase ) as soon as it happened and they told me they will not refund the money or even dispute it. XXXX will not even talk to me because the money was transferred through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-05
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2021-01-05
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I visited the Wells Fargo Bank location at XXXX XXXX XXXX in XXXX to request a duplicate debit card for my checking account. Without my approval or authorization a new checking account was opened under my name. I work two jobs and was unable to revisit the branch for many months. Between the time I originally visited the branch at XXXX in XXXX and the time I was able to stop at another Wells Fargo Bank branch at XXXX XXXX XXXX XXXX XXXX, the account that was opened without my permission incurred XXXX in fees. I provided to the banker at the XXXX & XXXX XXXX XXXX branch of Wells Fargo printouts of the history of the account showing I NEVER used the account. I also indicated I did not authorize the new account to be opened in my name and did not want the account. The banker took the printout to who I was told was a manager and a portion of the fees were refunded but not all of the fees.

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 2022-06-04
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I divorced my husband XX/XX/XXXX. According to our XX/XX/XXXX divorce decree each party was held liable for property in said possession. I moved to Texas from AZ. The vehicle was in my husbands possession in Arizona. He did not pay the loan on the vehicle. In XXXX of XXXX, he allowed Regional Acceptance  to repo the vehicle. That repo hit my credit, as I was the primary and my ex husband the co signer. I reached out to Regional Acceptance and all XXXX credit bureaus for removal according to a legal document stating ownership.I notified Regional Acceptance that he was not going to pay them, that I lived in Texas, that I was not in possession of the vehicle. I personally hired a repo man to repo the vehicle for me, but was unsuccessful.

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 2022-06-04
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, these Inaccurate accounts has violated my rights and therefore must be removed from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX XXXX " Responsibilities of furnishers of information to consumer reporting agencies. 
I submitted a report from the Federal Trade Commission in regards to the Identity Theft that took place with regards to my credit. The Bureaus and furnishers have been contacted and have not corrected the fraudulent accounts showing in 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 2020-08-19
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried for over one year to get Shellpoint Mortgage Servicing to cease any further foreclosure action against my home. I have cleared out all collections against me personally, and I have gone through several financial set backs including medical issues that are now behind me. However, Shellpoint Mortgage Servicing keeps coming back to me stating that XXXX XXXX will not consider a modification of my mortgage, even though I have well over {$200000.00} in equity in my home. I along with millions of American consumers have been dealing with the Covid-19 Pandemic, working from home to keep my job. I have resolved dozens of financial issues that an average person would have filed a Chapter XXXX bankruptcy on. I need the help of the Federal Deposit Insurance Corporation to intercede in a foreclosure that simply is not warranted. The FNMA rules are antiquated, and there must be other measures that can be incorporated since the Covid-19 Pandemic. Shellpoint Mortgage Servicing must reinstate my mortgage with the requested modification. 

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 2015-05-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a XXXX card that was enrolled, without my consent, into a debt protection program. This resulted in monthly fees that went unnoticed due to not being aware of the enrollment ; the charges date back to 2008 when HSBC owned my XXXX ( it is Citibank 's now ). My total balance due hardly declined due to the monthly charges of this protection. Now I owe almost XXXX my maximum credit limit because my deferred interest has reached its deadline and has now being applied to the total balance. I would have much less balance due and interest accrued if it was not for the monthly fee of an unauthorized enrollment in debt protection. If I did not enroll in a debt protection, it is because I did not need it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: WI
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:
Theres an account on my report that I am not responsible for labeled XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Theres an account on my report that I am not responsible for labeled 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 2022-06-04
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was told by Shellpoint that my escrow account had been credited {$530.00}. They provided fabricated documentation that it had been. This mistaken payment was for incorrectly paying earthquake coverage from my escrow account after I had paid it directly. 

Per the attached documents, which they are not reading, the escrow analysis shows no credit. Therefore, my escrow account shows a shortage. I am being asked to provide an additional $ 75/month is escrow shortage. 

Please do not copy and paste from a prior complaint. I will continue to file complaints until you address the escrow shortage complaint and reduce the escrow shortage. A recalculation document is required under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation