BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: Chime Financial Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX I was having issues withdrawing money from my account at an ATM so I XXXX chime customer service number and talk to one of the agents so he says he is with chime so I've never had to call tech support for chime and the whole time as I'm on hold believing that I was being help with resetting my account he changed my account around he put my money in my checking from my credit builder account. Then I got hung up on and of course I called back Multiple times so then I realized I got scammed money was transferred to them I had seen in my history transaction I've have the number and password he try to use to get in my account and the email I reported to chime to dispute it I sent them all the evidence and proof I have to make the case easier to deal with I also assume if I was quick to give the information they would be able to catch them im really struggling in life and they to all the hope i had save up XXXX to make my life a less stressful i really feel like a fool and stupid i had hoped that chime would protect one its longest member I didn't feel they cared about my situation how quickly the close my case which was on the XXXX XXXX. 2023

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: Majority USA, LLC
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had over {$700.00} in unauthorized transactions on my account. I disputed them. On the 10th business day, when I was inquiring where my provisional credit was and why it had not been placed into my account yet, my account was closed without my knowledge and no type of communication at all was sent to me explaining why we're letting me know that was happening. I was expecting that provisional credit and now it is caused a hardship for myself and my family and I have unable to pay bills that needed to be paid. This company owes me over {$700.00} and I want my money and I also want to be compensated for the additional fees and charges that I will be assessed for bills being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I approached my mortgage holder, Wells Fargo, about a modification to my mortgage of {$450000.00} due to economic hardship. In XXXX of XXXX that request for modification was denied by Wells Fargo. I continued to pay my mortgage to the best of my ability while pursuing other avenues to assist in obtaining a mortgage modification. 

In XXXX my economic situation become a bit more constrained as my youngest 's son was diagnosed with XXXX and needed assistance with his medical bills. At this point I approached the law firm of XXXX XXXX XXXX to aid me in obtaining a loan modification with Wells Fargo XXXX After several arbitrations and meetings with my legal representatives and Wells Fargo 's team a final court was set around XXXX of XXXX. 

At the final arbitration of XX/XX/XXXX I was informed that I would not be receiving a modification to my mortgage and that Wells Fargo would be moving forward with foreclosure proceedings. At this point I was given notice to vacate the property which I did on XX/XX/XXXX. The following year my former property went to auction and was sold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
According to U.S. CODE 1681S-2 ( A ) ( 1 ) ( F ) Reporting Information During Covid-19 Pandemic. 
Responsibility of Furnishers to consumer reporting agencies. 

According to the Accommodation Clause agreement to defer, forbear, modify, partially pay, or get other assistance/ relief. 

All late payments, fees, penalties, etc. must be removed from consumer reporting agencies.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2023-12-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-22
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CarMax, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to bring to your attention a concerning issue regarding the inaccurate reporting of late payments on my credit report by CarMax, which I believe is in violation of the laws enacted to prevent such reporting during the XXXX crisis. 

I have been a responsible customer of CarMax for several years, and my payment history has consistently been in good standing. However, I recently discovered that CarMax has inaccurately reported late payments on my credit report, adversely affecting my XXXX XXXX and financial well-being. 

It has come to my attention that during the XXXX pandemic, various federal and state regulations were put in place to protect consumers from unjust credit reporting practices, particularly related to late payments resulting from pandemic-related hardships. CarMax 's inaccurate reporting not only harms my credit but also appears to disregard these protective measures. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against CarMax for their alleged violation of credit reporting laws during the XXXX crisis. Furthermore, I request that you instruct CarMax to remove all late payments from my credit report, rectifying the damage done to my XXXX XXXX and financial stability

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Receivables Outsourcing, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am not paying this bill I have insurance and it should have covered it. I am about to have my first baby and I do not have the funds. This also violates hippa, my medical bills were released to a different company.. my husband is a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I WANT THIS ACCOUNT REMOVED I JUST NOTICE ITS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORTS I WOULD LIKE FOR THIS ACCOUNT TO BE DELETED OFF MY CREDIT REPORTS ASAP THANK YOU

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 2023-09-06
Company: Global Lending Services LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
- US Bank representative called me, was rude, harassing, and threatened me. ( XXXX ) - XXXX from Social Media team called me. 
- Called me stupid, then threatened me with unspecified XXXX XXXXXXXX. 
- US Bank branch personnel were incredibly rude and nasty to me. ( XXXX ) - One lady refused to answer any of my questions. 
- Another lady butted in and started loudly and rudely talking at me. 
- That second lady ignored me altogether, chased me out of the bank, and accused me of yelling. 
- US Bank personal account fraud charges issue ( XXXX ) - I got a text about fraud charges, had to dig deep for ID for sender. 
- Checked my US Bank personal account, FOUR fraudulent charges. 
- Requested assistance via phone and in person several times, all refused. 
- Unknown deposit in business account ( XXXX ) - Unknown check deposit for {$100.00} XXXX XXXXXXXX - On XXXX, this transaction is not found at all. 
- Unable to reach a person via telephone for assistance - This issue has been going on for a long time. 
- The automated systems don't allow me to speak to a person- The automated systems say my information is invalid and hang up on me- The automated systems don't offer me an option for why I'm calling - Inability to utilize offered services - US Bank refuses to process my application for a personal or business credit card - They've said I need to unlock/unfreeze all three of my credit reports for 2-4 weeks, this is not acceptable to me.

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 2017-07-13
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX notified me that my credit report had been adversely impacted. In looking closer at my report, the reason for the negative impact is only due to numerous inquires. I reviewed the inquiries and I noticed that my mortgage company, Nationstar, had run XXXX separate inquiries last Fall when I refinanced my primary residence. See below : NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX, XX/XX/XXXX and NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX I reached out to XXXX and was informed that they could submit a request of deletion but only under the direction from Nationstar. I left a vm with Nationstar on XX/XX/XXXX and on XX/XX/XXXX a social media analyst ( contact info below ) called me to obtain some further information. I e-mailed her my complete credit report and the fax number XXXX had given to me to provide to Nationstar so this could be rectified. XX/XX/XXXX - XXXX called me to inform me that Nationstar would not be sending any letter of deletion due to the need to run both hard and soft credit inquiries. I asked for something in writing be sent to my e-mail and she indicated that she could n't grant that request and that it would be a legal issue. I have spoken with XXXX XXXX, as XXXX advised was my next step, and they informed me that all the inquiries are 'hard '. XXXX XXXX also informed me that they could n't delete transactions unless the creditor directed this action. In addition to not authorizing ( not being informed that multiple checks would need to be run and could negatively impact credit ), I feel that any mortgage company that operates under this practice borders on unethical considering a negative credit report can thus tie a consumer to one mortgage company. If there is no regulation on multiple inquiries what is to stop a creditor from damaging a consumer 's credit enough so a consumer can not shop a better rate? <P/>Representative from Nationstar : XXXX XXXX XXXX Media Analyst II, XXXX XXXX Nationstar Mortgage Office : ( XXXX ) XXXX Fax : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. NationStar Mortgage maintains that the XXXX or XXXX was not submitted by me before XX/XX/XXXX.
2. NationStar mortgage admits that they had a completed application by XX/XX/XXXX.
3. But how can they have a completed application when the XXXX or XXXX was never submitted.
4. The reason NationStar mortgage had a completed application without the XXXX or the XXXX is because it was not applicable to me, because the household contributor or myself had any taxable income.
5. I am requesting that NationStar mortgage provide me with the XXXX or XXXX where me or the household contributor signed.
<P/>
6. Again Nationstar Mortgage is maintaining that they had a completed application on XX/XX/XXXX but how? If the XXXX was never turned in by the household contributor or myself?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After refusing to assist me multiple open issues ( Agents threatening me, fraudulent charges, unknown deposits ) US Bank closed my accoutn in lieu of resolving the open issues.

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 2023-02-25
Company: OneMain Finance Corporation
State: GA
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 was trying to purchase a home for my family and I and I realized that their were items on my credit report that were damaging. According to 15 U.S.C 1681 law there should not be any damages on my credit report as this is defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: U.S. BANCORP
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, In XX/XX/XXXX I received an XXXX XXXX XXXX. 
In XX/XX/XXXX I did not receive an XXXX XXXX XXXX. 
In XX/XX/XXXX I received an XXXX XXXX XXXX. 

On the XX/XX/XXXX XXXX XXXX, it showed that there was an overage of XXXX. The letter said I was going to receive a check for the overage. 

After several months and a couple of calls US Bank said they would look into it. Never received a letter of explanation or check for the overage. 

I forgot about it and assumed it was still in XXXX. 

On the XX/XX/XXXX Escrow Statement, ( I did not receive a Statement for XX/XX/XXXX ), and thru email I received a video that I owed XXXX for a shortage in Escrow. 

I called US Bank and talked to XXXX ID XXXX, XXXX ID XXXX, and XXXX ID XXXX in customer service, then also to a XXXX in the XXXX Department who said we don't give out ID numbers. All of them repeated what the letter XXXX said, and I asked to talk to the tax department to see if they paid the property tax. 

When I talked to XXXX ID XXXX after I found the XX/XX/XXXX statement and she looked it up to verify that it said I had the XXXX in Escrow and that I never got a check, she then escalated to some department and said she will call me back on the XXXX of XXXX. I ask to see if they would mail me something and she said no, it has to be handled over the phone. 

None of the promises to call back have occurred. It is now XX/XX/XXXX and the countdown to change and charge me an additional XXXX happens in 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 2017-07-12
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Was in the middle of loan Mod when separated from husband and did n't find out that loan Mod was denied due to lack of documents submitted. I was not notified it was going back to foreclosure or that it was set for sheriffs sale on XX/XX/XXXX. I found out first week of XX/XX/XXXX from a neighbor. I called Nationstar and they said it was too late to do anything because was less than 30 days to sale. I asked them to send me the loan Docs they were using to foreclose because I never signed the loan. My husband did as my POA but I never signed a POA for him to be able to do that. They said there were too many pages in my loan ( which was a sub prime loan with a variable interest rate done in XX/XX/XXXX ) to send me those documents. The property was titled in an LLC ( XXXX XXXX ) which went bankrupt in XX/XX/XXXX. The loan note however was only in my name. They sold my home at sheriffs sale XX/XX/XXXX for {$220000.00}. I owed only {$210000.00}. according to Nationstar. It appraised at {$200000.00}. I have a child only a year off XXXX recovering from XXXX XXXX and I 'm losing sleep worrying about this and why I have n't been notified of the sale or why they will not return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Synchrony bank. Applied for card received unable to open card due to risk of invalid identity.

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