BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-17
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Chime checking account was hacked 3 times in the period of a month and a half. Every time I would call immediately and freeze my card and prove my identity while I waited for my account to be available again. On XXXX the XXXX I had started a transfer of {$250.00} to my XXXX XXXX account. On the XXXX, the final hack, I rushed to get the remaining funds out of my account before the hackers robbed me of it. I spoke to a Chime support member while doing so. She informed me my transfer had gone through and now that I had withdrew the rest it was safe to close my account. Well the transfer DIDNT go through and Chime wouldnt even let me back in my own account after verifying my identity numerous times and with a new Drivers license number! I tried n tried to gain back access, spoke to several managers claiming they were working on it. One even promised he would run the tapes from that day and listen to his employee that helped me that day. No word for 3 months from Chime. In fact, they told me they couldnt access my account bc I didnt know the email ( the hackers ) associated with the account. This is even with my account, routing, and card numbers ready and willing to share just to do so. I finally filed complaints with the XXXX and the XXXX XXXX website. I finally just a few days ago was allowed back into my account which had a total of {$5.00} as the balance. No word of my {$250.00} that just disappeared. So I ask again. They inform me they are gon na contact XXXX XXXX and see what happened. The transfer never went thru, therefore Chime would still have it, but the real question is, where did my money go??!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My firs experience with Experian was the Annual Credit Report XXXX XXXX/XXXX/XXXX. XXXX and XXXX have Data showing the First Delinquency in XXXX of 2008, they also show this data on XXXX and XX/XX/XXXX.There is no data shown in Credit Reports from Experian on XXXX, XXXX XXXX or XXXX XX/XX/XXXX A Clear Violation of The FCRA with requires data be removed XXXX years after 1st Delinquency in the case which would have been XX/XX/XXXX Green Tree subsequently bought the XXXX XXXX portfolios XXXX and knew the data was flawed and should have been removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Debt has not been verified no contract or signature provided

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 2016-04-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
on XXXX XXXX, 2016 i went to chrysller XXXX XXXX on XXXX XXXX in XXXX to look at XXXX spoke with XXXX we looked a cars he said i can get you in this car i said not this car said lets see if you can get approved he had me sigh paperwork i came back and said your approved i said not for that car he said yes i said thats not what you told me i walked away wentt outside he allong with the finance manager followed me outside said you have to take the car its in your name and the insurance is on it you have to take it i said no he said by law you have to take it i dont have any financial information on the car they didnt give me a copy of anything i signed i was told i shoulld have gotten a copy of truth and leading i got nothing but your loan has been submitted i told them i need to speak with a manager that had me talk with XXXX who told me too bad you brought a car i said i dont want it he said i willl have it towed to your house walked out asked for a manager XXXX said he was the manager of the whole place walk AWAY FROM HIM CALLED XXXX ON MY CELL PHONE MY SALES GUY XXXX ANSwered and i heard XXXX in the back ground say i dont want to talk to her i hung up spoke with someone name XXXX who told me i should talk with XXXX i told him i allready did he said he cant help me he say he shold have been able to help me because thats who i need to talk with. i have contacted chysler capital because they are on my credit repore and XXXX chysler said you sign you have a car i said if you have the loan i want to cancel she said cant help you the lady at XXXX said the loan should have been cancelled and they want no for three weeks if they approved the loan. i was bullied and tricked into signing this paper work i need help what can i do i have no paperwork from the dealer or anything the car was left at the dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Attempting to make a payment after rocket mortgage conducted my second escrow analysis in two months. After the first analysis they told me I'd have an overage, which I told them to keep. The second analysis resulted in a shortage. 

Anyways I noticed that my monthly payment had changed, so I went to adjust my already scheduled payment for XX/XX/XXXX, which was to be withdrawn on XX/XX/XXXX. For the past hour I've been trying to submit a payment or contact customer service. When calling the office they give no indication that customer service will ever be available or like their hours of operation or anything. It seems like their customer service is indefinitely closed. The online payment system isn't accepting payments currently from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We received a wage garnishment for a debt outside of the statue of limitations, they were unable to provide any verification of debt or proof of serving paperwork for the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Grant & Weber
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Company is unlawfully attempting to extend the time limit on this account by reporting inaccurate information by falsifying when this account initially became delinquent. I have sent certified letters requesting validation which they have failed to respond to, but have illegally responded to the credit bureaus by verifying this debt as valid when the disputes have approached your office. I called your office on XXXX XXXX, 2016 and spoke to a man named XXXX. When I asked him to verify when this account was opened or became delinquent, he stated that he has no record as to when this account was opened or became delinquent and that they place random dates on credit profiles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I asked for a replacement card with Barclaycard, and while it was in process of getting delivered in the mail, which it finally did - the company went ahead and closed my account and now will not reissue the account whatsoever. I never missed a payment, had no issues, or anything. I just wanted my replacement card so I can begin using the card and have positive activity. They did this to discriminate and retaliate against me for no reason, and they will not provide a justification as to this decision that was made literally right as I asked for the replacement card. They are only doing this because I am of XXXX  ancestry, no other reason.

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 2016-09-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is holding me liable for debt that I did not apply for. I am a victim of identity theft and they refuse to remove the fraudulent accounts. The fraudulent accounts are XXXX XXXX and XXXX XXXX XXXX XXXX. I 've uploaded my identity theft report to their website and sent a certified mail copy. They are violating federal law by keeping this fraudulent debt on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My XXXX answer a phone call and they asked for my name and he asked who was calling, they stated MCM and he asked what is was and they said midland he asked whole company name and they just said midland again he asked if there was some kind of debt and the person on the phone responded with YES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
American Express refuses to comply with the Fair Truth In Lending Act. This may look like a duplicate complaint, but it is the only way to update you on the facts. American Express is absolutely refusing to show and substantiate charges on our account. They also paid an unauthorized charge. This amount we know and can clearly see on the original statement. But there is {$1300.00} in additional charges on our account that show no line item corresponding charges anywhere and which American Express refuses to substantiate. They also refuse to honor our dispute and threaten us with credit reporting. I have explained to them that they need to honor our dispute and to prove to us the charges we can not see on any statement or combination of statements beginning in XXXX 2013. We pay this account in full each month for all line charges we have actually made. We run a spread sheet and check it carefully to make sure the numbers are correct. We are trying to do the right thing. It is time for American Express to do the same. I believe there is fraud on this account that American Express needs to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has identified fraudulent information and had me fill out charges that were not supposed to appear. I initiated a dispute with the XXXX, and the disposition was they were in fact fraudulent charges and as such they would close and remove all the charges. Experian REFUSES TO ACKNOWLEDGE THIS AND WILL NOT REMOVE THE ACCOUNTS FROM MY REPORT. UNDER THE FCRA THEY ARE MANDATED TO DO SO WITH FRAUDULENT INFORMATION!

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 2016-01-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of 2015 I applied for a home loan through Wells Fargo Mortgage, my loan representative/officer was XXXX XXXX, Branch XXXX, Wells Fargo Mortgage in XXXX, CA. The home I purchased was a new condo being built with a completion estimated at mid to late XXXX, 2015. First off, I had never met XXXX personally so for him to refer to me as bud, which he did often when responding to texts/emails ( if he responded at all ) was very unprofessional. He often ignored texts/emails/phone calls and lacked proper communication skills. He rarely kept me informed of my loan progress and only provided updates when requested and sparsely at best. As earlier stated the completion was set for mid to late XXXX so I had 7 months to get all the necessary information to XXXX. I was always prompt providing the necessary information/docs to XXXX as to avoid any miscommunication/setbacks/delays in the loan process. I asked for updates on a weekly/monthly basis ( which often went ignored ) and I was assured by XXXX XXXX that we were on schedule, at XXXX point he stated we were 2 months ahead of schedule. We were scheduled to close on XXXX XXXX, 2015, but due to XXXX 's inability to perform his job the closing was delayed to XXXX XXXX, 2015. When XXXX was unable to perform his job I requested another XXXX to handle my loan, at which point XXXX stated " you 're not going to want to hear this but no one in this office can do what I do '', at which point I requested his supervisors name XXXX XXXX XXXX XXXX and number. I contacted XXXX at which time XXXX took the lead on my loan process and without XXXX efforts I do n't think my loan would have closed when it did, if at all. On XXXX XXXX, 2015 I received a text from XXXX regarding an issue with the tax rate. During a telephone conversation between XXXX, XXXX and XXXX XXXX stated that the rate utilized by XXXX during loan approval was 1.5 % not the actual rate of 1.9 %. When I informed XXXX that I had provided XXXX that XXXX XXXX openly lied to XXXX and I, stating he did n't know the tax rate was at 1.9 %. However ; XXXX was provided the tax rate information via email on XXXX XXXX, 2015. This lie, XXXX 's inability to perform his duties and his unprofessionalism cost me an additional {$7800.00} in closing costs and placed unnecessary burden on several others who had to work unnecessary hours to insure my loan closed by year end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a auto loan with Wells Fargo through my grandfather. I kept up with the payments steadily all the way up until last XXXX. I was laid off and not able to pay payments in time at the time I was almost {$5000.00} still owed and they tried to repo the vehicle. As of XXXX 2016 it 's {$2500.00} still owed and they are trying to repo my vehicle still. I have only {$2500.00} left and I will have the title. I paid over {$20000.00} it was not for nothing I hope. With out them having animosity or anything in this situation I believe they can afford to give me a chance to finish paying off less than {$3000.00} I 'm not asking for a miracle and I have paid it all off except for this small amount. If they take my vehicle I will be in more debt and with out transportation to make ends meet. What sense does that make? I have this loan since XXXX and this is the thanks for business I get? It 's not fair and something can definitely be done in this situation.

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 2015-07-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I did not give permissable authorization for XXXX XXXX to request my credit report for a vehicle loan nor did I need financing from Wellsfargo Dealer Services. The action taken by this company is fraudlent and I hereby warn and give orders to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a XXXX dollar from this affliation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So, I Sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 U.S.C. 1681. I have the right to privacy. Also, according to 15 U.S.C. 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for the Citigold Checking account with the promotional XXXX AAdvantage Points after completing all the requirements. I completed all the requirements and waited after statement closing of 90 days and still have n't received my bonus points added to my AA account. I contacted the company by phone and via chats several times already and each time they said I will get a response within the next day and I still have n't yet. I 'm beginning to think this was a scam.

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 2017-01-25
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
They are not applying my payment correctly to my account. My account interest that should be charged to my account is 3.5 %. They are applying my payment more to interest than to principal. My last payment of {$140.00} was applied with {$75.00} in interest and only {$66.00} towards principal. This has been a recurring theme since I have been with them. FYI, I have not missed or been late with any payments with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX, account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: eMortgage Funding LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022 - Got a call after numerous times of telling them I do not want calls and registering with the do not call list about refinancing my mortgage. 
It was from E- Mortgage XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. 


XXXX Account # XXXX XXXX US Dept ED Account # XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX U

.S.C 1618 section 602 A. States I have the right to privacy. 15 U.S.C. 1618 section 604 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 2016-04-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I sent a letter to Experian outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.

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