BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone was stolen in the end of XXXX beginning of XXXX. The phone did not have a lock on it. I was left with no phone, no access to any of my personal information like bank accounts, emails, I didnt even have a form of communication. From XXXX there was numerous unauthorized charges, totaling up to XXXX. On Sunday XX/XX/XXXX, I was given a phone which allowed me to get access into my bank account to see the accumulated charges. Charges included, XX/XX/XXXX transactions, charges at the XXXX XXXX, rides from taxis, restaurants, etc. I contacted chime and made them aware of the situation that happened and they said they would look into the problem and fix it. I had two separate disputes open, one of which is still open and the other is closed. The one that was closed totaled out to around {$700.00}. Chime basically told me that there was nothing they could do except supply me with the documents they used to come to the conclusion that my money wasnt stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: WI
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 Accounts below has Violated my Federally Protected Consumer Rights to privacy and Confidentiality under 15 usc 1681, -B. 

Account Names/ # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All of these Accounts have Violated my Rights.

15 u.s.c 1681 Section 602A. States I have the rights to Privacy.

15 u.s.c 1681 Section 604A 2 States A Consumer reporting agency cant furnish a account without my written Instructions, or have reasonable cause to believe that the information being reported is inaccurate. 

15 u.s.c 1666B States that A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose.

Company response to consumer: In progress
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
On XX/XX/2022 I wrote a check to XXXX XXXX {$34.00} and mailed it. The XXXX XXXX check was stolen from the mail. It was then altered or washed obliterating the date the payee and my account number. I do have a copy of the original and the altered check. I discovered this had taken place on XX/XX/2022 when I went to the ATM to check my balance. It had been emptied. I immediately drove to my bank in XXXX, OH. I spoke with a teller who showed me the withdraw. The check was washed and written to a ( XXXX XXXX ) on XXXX in the amount of {$5800.00}. I made a complaint to the XXXX XXXX and I also went to the XXXX, OH police Department and filed a Police Report. On XX/XX/2022 I received a letter from Huntington Bank XXXX XXXX XXXX XXXX XXXX # XXXX. Appartently the Affidavit that Huntington filled out was incorrect. I then filled out a new affadivit and a Statement of Fraud this was on XX/XX/2022. I made copies of the police report, the altered check, the original check receipt, Statement of Fraud and Affidavit. I still have this all of this information. It will be day 60 tomorrow XX/XX/2022. I have not been notified of any information pertinent to this matter. I have not been reimbursed. I am still awaiting for Huntington Bank. Huntington Bank allowed this fraudulent check to be cashed out. I forgot to add the altered check was deposited remotely and the name on the reverse side is not ( XXXX XXXX ). I can not read the first name but the last name is XXXX. I am a retired person and on a fixed income. All I want is my money returned to me. I made an attempt to attach all the documents regarding this matter but, alas they will not upload. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: SunnyHill Financial, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Contacted Sunny Hill Financial ( mortgage broker ) and XXXX XXXX and XXXX for quotes on a 15 year ( cash out ) refi. Both came back with differing quotes/ fees and would require a new appraisal- which was fine. Ultimately decided to move forward with Sunny Hill Financial, given they had lower fees and a slightly better rate. After locking ( 30 days ) the rate ( 1.875 % / 15 year ) and agreeing to the various fees, I was told that they were " unable to find an appraiser in the area ''. When I pushed back, stating that I wanted an appraisal done, they informed me that I live in a " rural area '' and could not find an appraiser to do it. The only option was to pay an additional ~ {$800.00} to close with no appraisal. They somehow received this " appraisal waiver '' through XXXX XXXX but was not disclosed early on in the process that this was an option. I pushed back and really wanted an appraisal done, both for the benefit of the report and the ~ {$800.00} less closing fees. I was informed if we went the " appraisal route '', we certainly would not have time to close within the 30 day rate lock period. Rates had of course gone up, and the lender was unwilling to provide a rate lock extension without incurring a fee ( again, not because I did not provide all of the required information in a timely fashion, but solely because the could " not locate an appraiser '' ). 

My issue is that this is the typical " bait and switch '' strategy that often gets exploited. I, the consumer, move down the path with a mortgage company with the understanding of rate, fee structure, appraisal, etc. and then once you're " in bed '', the financing structure changes. This is criminal in nature and should not be tolerated. My hand was forced to close a more expensive refinance because the interest rate lock would not be extended and the timing did not allow for the mortgage company to get an appraisal. None of this was my, the consumer 's issue, but I was responsible for the financial effect. 

I should be credited back the ~ {$800.00} that I was forced to pay and Sunny Hill Financial should be fined accordingly for deceptive / destructive behaviors and not acting appropriately as a fiduciary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I got a recent score of XXXX from Experian which noted that was a decline from " excellent '' to " very good ''. I just paid off a loan much earlier than the due date, and I pay my credit card in full WEEKLY. How can one 's credit score drop with this kind of excellent financial management? This makes no sense at all and is flat out wrong! 

XXXX score is XXXX. XXXX  score is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: AR
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 submitting another CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my updated credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: MO
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:
I was never late payment account was paid off as reflected by my proof. Equifax reported account was current and no past due. However XXXX and XXXX does not. They are not reporting accurate information such as payment status, past due and date of last payment. and date of last payment. XXXX and XXXX are in violation of the law and not reporting account in dispute their comments. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX  Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXXXXXX Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XX/XX/XXXX Amount : {$6600.00} I expressed to XXXX XXXX XXXX, and Equifax XXXX these are fraudulent accounts and were never accounts belonging to me. These are adversely effecting my credit on all three bureaus. I have sent multiple letters to all three bureaus with my requests, asking for documentation bearing my electronic or wet ink signature supporting these accounts to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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:
My information might have been impacted by the Equifax data breech and may have gotten into the wrong hands. Many unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: AES/PHEAA
State: MS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
ON XXXX XXXX, SOMEONE CALLED MY WORK, LEFT A MESSAGE FOR ME TO CALL XXXX XXXX XXXX. THEY MADE IT CLEAR TO MY EMPLOYER THAT THEY WERE A DEBT COLLECTOR. 

WHEN I CALLED BACK, THIS PERSON WAS NOT THERE, BUT ANOTHER PERSON TALKED TO ME, VERY CONDESCENDING AND RUDE, HE NEVER TOLD ME HIS NAME. HE WANTED ME TO VERIFY PERSONAL INFORMATION, WANTED ME TO GIVE IT TO HIM, I REFUSED. HE SAID THAT I WOULD HAVE TO BE DEALT WITH THE " HARD WAY '' WHEN I ASKED WHAT THAT MEANT, WAS HE THREATENING ME, HE SAID HE WASN'T. 

I TOLD HIM TO NOT CALL MY WORK AGAIN AND HE SAID THAT HE COULD NOT STOP ANYONE IN HIS COMPANY CALLING ME. I TOLD HIM THAT I KNEW IF I ASKED FOR NO CALLS AT WORK, THE LAW SAYS THEY HAVE TO OBEY. HE AGAIN SAID HE COULD NOT STOP ANYONE. 

I BELIEVE THE COMPANY IS CALLED NCO, XXXX, Pennsylvania, United States, EVEN THOUGH HE NEVER ACTUALLY SAID SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called XXXX XXXX ( BG ) on XX/XX/XXXX to renew my annual pass. I paid {$210.00} for my renewal. No problem or so I thought. The next day I checked by XXXX account and noticed that I only had a pass for XXXX not XXXX and XXXX XXXX like I previously had. I called the next day to get the issue corrected. The call was disconnected before we could correct the issue. I called back again the next day. During the initial conversation it didn't see as thought XXXX would correct the issue and I told them I was filing a dispute with my credit card company and did so while I was on the phone with them. After about an hour or so on the phone the representative said they would get my pass fixed to the two parks, but it would take about three weeks. I was hesitantly satisfied with the resolution, but canceled my dispute. Come mid-XXXX I check my account to see how things are going and low and behold I have no pass at all. I called XXXX again. I inquire about my resolution and about a refund at this point again because of the not being able to use the pass for time that I paid for. The supervisor then informs me that they will do nothing. I am now left with XXXX pass after paying for yearly pass less than one month after purchasing said pass and never using it. 
On XX/XX/XXXX, I filed a XXXX  complaint against XXXX. During back and forth emails with XXXX they claim that they issued a refund on XX/XX/XXXX. I forwarded the email from the merchant to the creditor on XX/XX/XXXX. The creditor responded with a letter dated XX/XX/XXXX it states, We previously disputed this charge for you and we took the funds from the merchant. Per their admission they returned the funds to the merchant. At no time have they ever claimed to have returned the funds back to XXXX XXXX XXXX XXXX XXXX XXXX. I have repeatedly requested the date that they funded the merchant and the creditor refuses to provide this information. I believe they have taken the money from the merchant while keeping the charge on my account. 
XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) sent me their copy of the return of my funds on XX/XX/XXXX. I forwarded that information to the creditor with a request for when the funds were returned to the merchant. The creditor issued a letter dated XX/XX/XXXX stating they have not received a credit from the merchant and a threat that they would penalize me with the credit agencies even though my account has always been up to date and paid in full at every due date.

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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 ( XXXX XXXX XXXX ) Account Number ( # XXXX ) has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.

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 2023-04-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2021 an inquiry was placed on my credit report that I did not authorize and it is fraudulent, it is in fact hurting my credit. I have tried getting them removed but I have had no success. The fact that it is supposed to stay on my credit report is a violation of my right under the FCRA. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presumethat no proof of the alleged debt, not therefore any such debt, in fact exists.

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 2022-02-13
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is still servicing two of my XXXX student loans. I had t pay fXXXX XXXX and XXXX. They want me to reapply for IDR program with them, but they are no longer listed as a federal loan service as of the end of XX/XX/XXXX. If that is the case, why was I charged for two months into XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Last 4 digits SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report The following accounts ( itemized below ) are reporting a current balance when it is my understanding and reason to believe that this debt was charged off by each lender. Because of that fact, this debt is cancelled and at least should not reflect the balance nor continue to actively report current updates that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Please delete these inaccuracies. 


XXXX XXXX : Balance {$15000.00} Last report date : XX/XX/2023 XXXX   XXXX XXXX : Balance {$7000.00} Last report date : XX/XX/20XXXX XXXX   XXXX XXXX : Balance {$10000.00} Last report date : XX/XX/20XXXX XXXX XXXXXXXX XXXX : Balance {$11000.00} Last report date : XX/XX/203 XXXX XXXX XXXX XXXX Balance {$5600.00} Last report date : XX/XX/2023 XXXX  : Balance {$19000.00} Last report date : XX/XX/2023 XXXX

Company response to consumer: In progress
Consumer complaint received 2023-02-28
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account that must corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation