BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a Chime account prior to XXXX. When XXXX hit I had received and PPP loan and unemployment once that ran out. Chime closed my account saying it was fraudulent. I sent every piece of documentation they requested proving my identity and ownership and entitlement to my funds. To this day Chime refuses to return my funds which was close to {$2000.00}. I have sent and resent documents and all they say is I violated the terms. At this point I want my funds returned with interest and funds for wasted time and not eking able to pay my bills or feed my damily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Late last year finances were getting tight. By XXXX we were 2 payments behind ( with the third due ) but I called in XXXX to make a payment. I was told that they would not accept XXXX payment but that I needed to make 2 payments in order for them to accept it.We were waiting on some funds so I could not make the two payments. They told me that it would be ok and to just wait until the funds came in and pay it as the two payments. I expressed concern about the house starting foreclosure. I was assured it wouldnt.

Two weeks later I had the two payments. I called and was once again denied now being told that I needed 3 payments in order for them to accept. I suspended all of my bills to get the three payments ready. This took me 2 more weeks.

I call to make the payments I am then told that they can not accept ANY payments unless I can pay all XXXX because the house is now in foreclosure. I didnt receive any written notice about it going into the foreclosure process, nor was I told when I was on the phone. I was told to submit documents for their loss mitigation program in order to save the house. I do so. 

The required documents kept changing of what was required. I submitted everything that was requested. After about 2 - 3 weeks, they finally had everything. By XXXX of this year my husband received his XXXX and was granted retro pay. We had enough to make all of the payments in one lump sum. So We called and after being given the run around of why they couldnt accept the payments, we finally were able to speak to a representative and make the required payments. We paid the full amount of what was due. We were told that it was pulled out of the loss mitigation program and going forward we would be able to resume normal payments. 

XXXX comes and Im not able to pay my bill through their website, app, or automated phone, and extremely high wait times. Because of this great inconvenience, my payment was late. After a few days I am finally able to reach a representative. The payment is made, including late fees. I am told that everything is now up to date and I can resume normal payments again. 

Come this month, XXXX, I am met with the same issues as last month. I am now told that I have additional fees of {$2000.00} that also need to be made on top of my normal mortgage amount. The fees can not be detailed. The representatives are being uncooperative and saying that they can not accept payment for the mortgage until I speak with 'customer service ' that is opened XXXXsometime ' tomorrow. I asked to speak to someone else, a manager.. I am being denied. I asked to file a complaint. Im not allowed to do so .... 

We did not pick this mortgage company. Our mortgage was sold to them. 

This treatment, this practice is unfair and should be criminal. It seems they are doing everything to force people out of their homes by denying payments. 

The mortgage company is CitizensOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. 

I started a dispute with ACIMA DIGITAL FKA SIMP  and the XXXX back in XXXX. XXXX I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was disputing an ACIMA account on my credit report because it is not mine and I did not open it. I'm unaware what the account is for, I only know that it appears to be a lease or installment account with an extremely large balance of {$7500.00}. ACIMA has not responded to me by mail, and I'm unaware if they have responded to XXXX since I also mailed XXXX XXXX dispute letters in XX/XX/XXXX and XX/XX/XXXX. However, XXXX completed their first investigation and did not remove the account. I advised them to validate the debt/account with documentation bearing my signature, and if this documentation was not provided I formally requested the account be removed from my credit report. My identifying information has been compromised for years now. I informed ACIMA DIGITAL FKA SIMP and XXXX that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature, and remove the account. Additionally, I've started my second investigation with XXXX, and the account has yet to be removed and ACIMA has yet to respond to me by mail with ANY documentation bearing my signature. I mailed my ACIMA letter on XX/XX/XXXX, and my second XXXX  dispute letter for the ACIMA account on XX/XX/XXXX, my first XXXX dispute letter was mailed in XX/XX/XXXX. XXXX currently has the second investigation open now, but they continue to rule in favor of ACIMA despite my request for documentation and receipt of my FTC identify theft letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 recently disputed inaccurate, Incomplete and fraudulent accounts/inquiries related to my credit report. 
Accounts are to meet all FCRA standards meaning all information is true, complete and accurate. The bureaus stated these accounts were updated and meet FCRA standards!!! They are not which is a VIOLATION OF MY RIGHTS. 

After receiving updated credit information per FCRA guidelines there are inconsistincies and inaccurate information amongst all three bureaus WHICH ARE A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681 and go against the Fair Credit Reporting Act. 


The Credit bureaus stated Account Name XXXX XXXX XXXX Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the date LAST ACTIVE is inaccurate, and date last PAYMENT is not accurate. This is ground for removal. 


The Credit bureaus stated Account Name XXXX XXXX XXXX Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the HIGH CREDIT & CREDIT LIMIT are inaccurate and inconsistent the DATE LAST ACTIVE is inaccurate, and DATE LAST PAYMENT is not accurate. This is ground for removal. 

The Credit bureaus stated Account Name XXXXXXXX XXXX  Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, number of months/terms is inaccurate the PAYMENT STATUS is inaccurate, and DATE LAST REPORTED is not accurate.DATE LAST ACTIVE is inaccurate also. This is grounds for removal. 


The Credit bureaus stated Account Name XXXXXXXX XXXX Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate.DATE LAST ACTIVE is inaccurate as well as DATE OF LAST PAYMENT. This is grounds for removal. 


ATTACHED ARE SUPPORTING DOCUMENTS FROM THE BUREAUS WITH THE VIOLATIONS. 
A COPY OF COMPLAINT IS BEING FORWARDED TO THE ATTORNEY GENERAL AS WELL AS THE FEDERAL TRADE COMMISSION. 


They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.I haven't given these accounts written permission to furnish these accounts 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 2023-09-08
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello my name is XXXX XXXX. On XX/XX/2023 I called my financial institution Navy Federal Credit Union. The reason for this call is because I had called the Financial institution 2 times previously in regards to a check I had deposited being out on hold. A supervisor and a regular support staff both had told me my funds would be available today on XX/XX/2023. However when opening my bank app I noticed the money still has not cleared my account. I decided to make a call to Navy Federal again on XX/XX/2023. It was then when I was met with the upmost rude customer service I have ever received from a financial institution. The representative was back talking and talking with a very rude attitude in her voice. She had told me that I WAS LIED TO and that the funds now would not clear until tonight at midnight. Making the hold of my funds 6 days. 1 day beyond what federal law allows. The bank then justifies that since it is processed at midnight the funds are technically made available on the XXXX day even though midnight would make it the XXXX day. I then asked to speak to a supervisor, I was put on a very long hold. After this long hold a supervisor named XXXX had come into the line. She sounded very nice at first however when I made a complaint she instantly retaliated and went on defense mode with a rude mannered attitude like the previous representative and did absolutely nothing to help. Navy federal credit union has been purposely holding all of its account holders funds for long periods of time and not giving and written communication about funds being held within the whole duration of the 6 days holding your funds when federal law requires written notice witching XXXX business days. Navy federal deliberately hold funds from account holders for long periods of time with no written explanation costing accounts thousands per year in late fees and additional interest due to not having access to their funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: HUNTINGTON NATIONAL BANK, THE
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:
I got a letter from Huntington saying I have a balance due of XXXX. But I shouldnt I closed my account more than 3 years ago and it was due to fraud someone had comprised my account. Account ending in XXXX my account was compromised and closed and its been multiple years since. I tried reaching out to them via email but I havent gotten anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
About XX/XX/XXXX I called Navy Federal Credit Union about a home equity loan. 

I was transferred to Mortgage department and spoke to a man who gave his MLS #. 

I said there is a first mortgage and another lien. When he asked what was owed on the other one I said about {$10000.00}. When he asked what was the original amount I said about {$40000.00}. I then explained no payments are due on that lien as it was structured where after 5 years it would be paid in full. Each year the amount would be forgiven by 20 % until year 5 where balance would be reduced to XXXX. XXXX is the start of year 5. Its paid in full around XX/XX/XXXX. 

XXXX XXXX sent me an email requesting two different items. 

Per XXXX on one occasion the underwriter wanted proof I was a telecommuter employer with a letter from my manager. 

On another occasion after I sent documentation showing my HOA fee had been paid, XXXX said the underwriter was requesting a formal letter from my Homeowners Association on the HOA letter head. 

I went online and emailed her the standard document from the HOA website. I then called her and she said Oh Im reading it now. Ok this is fine. 

She NEVER sent it to underwriting. It appears underwriting did not request any of those documents. She did this to delay the long process. Unethical. 


On XX/XX/XXXX I received a call from XXXX XXXX who stated she was setting the closing up for week of XX/XX/XXXX. 

On XX/XX/XXXX XXXX called and said the title was denied due to a silent lien on the property. I explained that lien was disclosed at the time the application was taken. She said Im sorry you was misinformed. Navy Federal made the mistake. I was disclosed the lien at the time the application was taken. 

XXXX who seemed giddy almost laughing said the title review shows a balance of {$43000.00}. I said the title review is wrong. 
XXXX then stated the only way to do the loan was for the customer to agree to increase the loan amount by {$43000.00}. I said that makes no sense when the amount owed is {$10000.00}. This has got to be illegal. 

I asked for a supervisor she said shes busy. I asked to be transferred to her voicemail she refused to transfer the call. 


How many other customers have they done this to?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: FL
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:
On XXXX, XXXX I dispute with XXXX the Public Record Information on My report and they answer on XX/XX/XXXX with a verified response. They informed me in the letter the information came verified from XXXX XXXX, which is impossible because XXXX XXXX remove this item from my file on XX/XX/XXXX enclose the letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call everyday repeatedly. It's a bot.

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 2023-04-17
Company: EQUIFAX, 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:
Equifax rightfully deleted only 1 account ( XXXX XXXX ) immediately after being made aware that they are violating the FCRA. Equifax appears to be using some sort of stall tactic and refused to delete the other accounts I requested in a timely manner ( including the blatantly wrong information regarding payment history ). 

As a direct result of this willful noncompliance, I have been unable to get access to an emergency loan or credit after being hit by a car on XX/XX/XXXX. I suffered injuries to my brain and body after a car hit me on XX/XX/XXXX and I have been unable to get any type of credit or loan because of Equifaxs refusal to comply with the FCRA in a timely manner. I can provide my attorneys contact information and medical records as proof. 

Equifax is willfully violating multiple parts of the FCRA, including : 15 USC 1681e ( b ) 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) 15 USC 1681i ( a ) ( 1 ) ( A ) Section 611 I demand that the following accounts be *immediately* deleted from my consumer report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( all open and closed accounts ) XXXX XXXX XXXX All XXXX XXXX inquiries as I provided an FTC report months ago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
I had made payments on the payment due date, and they still report to credit bearers that the account was 3 months late.. I talked to a XXXX  supervisor and they agreed with me that the fees and late status was wrong...

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 2023-04-17
Company: Experian Information Solutions Inc.
State: CT
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 recently disputed inaccurate, Incomplete and fraudulent accounts/inquiries related to my credit report. 
Accounts are to meet all FCRA standards meaning all information is true, complete and accurate. The bureaus stated these accounts were updated and meet FCRA standards!!! They are not which is a VIOLATION OF MY RIGHTS. 

After receiving updated credit information per FCRA guidelines there are inconsistincies and inaccurate information amongst all three bureaus WHICH ARE A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681 and go against the Fair Credit Reporting Act. 


The Credit bureaus stated Account Name XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the date LAST ACTIVE is inaccurate, and date last PAYMENT is not accurate. This is ground for removal. 


The Credit bureaus stated Account Name XXXX XXXX XXXX Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the HIGH CREDIT & CREDIT LIMIT are inaccurate and inconsistent the DATE LAST ACTIVE is inaccurate, and DATE LAST PAYMENT is not accurate. This is ground for removal. 

The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, number of months/terms is inaccurate the PAYMENT STATUS is inaccurate, and DATE LAST REPORTED is not accurate.DATE LAST ACTIVE is inaccurate also. This is grounds for removal. 


The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate.DATE LAST ACTIVE is inaccurate as well as DATE OF LAST PAYMENT. This is grounds for removal. 


ATTACHED ARE SUPPORTING DOCUMENTS FROM THE BUREAUS WITH THE VIOLATIONS. 
A COPY OF COMPLAINT IS BEING FORWARDED TO THE ATTORNEY GENERAL AS WELL AS THE FEDERAL TRADE COMMISSION. 


They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.I haven't given these accounts written permission to furnish these accounts 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 explanation