BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Flagstar Bank, N.A.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We currently have a VA mortgage through Flagstar Bank. I have had problems with them from the very first year living in the home them paying our Home Owner insurance out of our escrow. I have gotten cancellations notices from XXXX ( XXXX ). One year I had to pay the insurance out of our own pocket. I have talked to XXXX XXXX and they have every year at date of renewal reached out to Flagstar Bank. I have even called every year to see why are they unable to pay the insurance when we are have escrow and our monthly payment includes property taxes. 

This year ( 2020 ) I have gotten another notice of cancellation and discussed matter with XXXX who as I believe reached out to them on multiple occasions. I even talked to Flagstar of which it seems their incompetence is unable to press the option clearly stated when calling XXXX the option if lender press # option. 

I have now received a notice from Flagstar, " Our records show that your homeowner 's insurance expired and we do not have evidence that you have obtained new coverage. We plan to buy insurance for your property. '' This was dated XX/XX/2020. 

I served our country for 6 years honorable no Veteran should have to go through this ever when they are paying their insurance and property tax in the mortgage. I have asked Flagstar what needs to be done to not have this happen they are completely incompetent in providing a solution My name : 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 explanation
Consumer complaint received 2023-07-03
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
TO Whome this may concern, predatory lender I loaned from them in XX/XX/2019 for {$3000.00} made payments each month totaling way over $ XXXX and they still say I owe {$3100.00}. This is insane highway armed robbery, they also mentioned account is being serviced by this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX I was closing on our home through Homebridge financial. There was an issue I couldnt get resolved through their proper channels so I submitted a complaint. Complaint number XXXX was closed on XX/XX/XXXX by Homebridge with the response that they would give {$1000.00} in monetary relief. As of XX/XX/XXXX I have yet to receive the check. After many phone calls to Homebridge they have stated that they are not aware of any money they owe and are not aware of the complaint made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, 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:
XXXX Opened XX/XX/XXXX {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX PA  XXXX Cred Opened XX/XX/XXXX {$4600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Cred Opened XX/XX/XXXX {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations took off and put back on without notifying me They have the police report and ftc all filed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Chime Financial Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Around XX/XX/XXXX I attempted to access my Chime account via app and it said I was locked out. Then stated my account was frozen. I received multiple emails from bill I had paid stating it had been credited then reversed. I attempted to reset my information but was declined by Chime. I followed the steps as directed and sent in a copy of my ID, ss #, email address, date of birth, and all info requested to their support email. I called on XX/XX/XXXX and still no resolution. They have my ssi check. I can't buy food, or my bus fare to get around as needed. My phone is going to be turned off and my XXXX has already been cut off due to this error. More emails keep pouring in but no one will tell me anything. I contacted again today XX/XX/XXXX and they requested more info from me as I have emailed them again what was requested but no info given or when I can have my funds or access to my CHIME account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: LEXISNEXIS
State: CA
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 recently learned that a Judgement was placed on LexisNexis report, from XXXX, I have no knowledge of, that is hindering me from refinancing my home. I suspect identify theft. 

I never knew I had ( or heard of ) a LexisNexis credit report. XX/XX/XXXX, I learned from my lender that a company, XXXX XXXX XXXX XXXX, filed a Civil Judgement against me in New York. LexisNexis has sent me a copy of my report ( see page attached ) stating that the filing number and the amount was for {$150000.00} in XXXX XXXX XXXX XXXX, XXXX, NY. It also has a company name listed that I incorporated in Nevada but closed in XXXX XXXX attached ) and I usually go by maiden name for business this is listed under my married name. 

This judgement has NEVER appeared on any of the 3 main bureaus. I'm curious as to why, if it's suppose to belong to me, it was filed in New York. I've always lived in California. I've never been to XXXX, NY. I don't know where it is. I've never heard of this company. I've tried to request information on the account, they're crediting to me, from the company but haven't found a way to communicate. Everything I've seen concerning them says they're out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account # XXXX was deleted from TransUnion XXXX XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials. 

( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments. 

Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as NFCU willfully violated its obligations under the FCRA.

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 2023-07-08
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. Section 15 USC 1681 A3, The FCRA permits health service providers and their agents to furnish information relating to medical debt to consumer reporting agencies ( CRA ). However, the Act requires furnishers to encrypt certain details to protect the consumer 's privacy. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EVERBANK, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Original closing figures differ from our final closing figures and TIAA Bank could not or would not explain why. The bank delayed giving us our final figures until one day before our closing. They also gave us an appraisal that was {$3000.00} less than what we paid for our home and we had to come up with {$3000.00} more for our closing. Poor business practice. We contacted the bank XX/XX/2019 to request our one time FREE float down from on our XX/XX/2019 interest rate lock in. From XX/XX/XXXX - XXXX, 2019 the bank senior mortgage loan officer could not or would not explain why we lost lenders credit. Original lenders credit was {$4800.00} our final lenders credit was {$3400.00}. We lost {$1300.00} with no explanation except I do not want to bore you with the details but you are getting a great interest rate. Our original lock in was 4.75 % and was reduced to 4.25 % WHICH was suppose to be our one time FREE float down. So how did we lose lenders credit? The only thing we can believe is that we were made to pay for our one time FREE float down since we got no other explanation. We had no time to go to another lender. Contractual we had to close on XX/XX/2019 or stand to loose our home to the builder. Unfair business practices to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: GA
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRAUDULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF 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
Consumer complaint received 2020-04-29
Company: Guild Mortgage Company LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Guild Mortgage is not offering a good forbearance option for COVID-19 relief. I asked time and time again to set my XXXX, XXXX & XXXX payments to the end of the month. But they insist on I pay a lump sum, or a immediate payment plan after forbearance. The other applicant in my loan has lost his job, and I have my hours reduced. How can we pay the additional payments at the end of forbearance if we cant pay our full amount now?! 
I specially asked Guild Mortgage to do this, and they completely ignored my request and placed me on a forbearance plan without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I received an email from Chime Bank stating they would be closing my account. They never gave me a reason and now everytime I try to call them it says they recognize my number and my account is closed if I have any questions to email them. Ive emailed them several times with no response. I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: TN
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:
I spoke with the dealership about submitting several credit inquiries while only agreeing to XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX on XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions 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:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A VIOLATION OF THE FCRA. I AM BEING IGNORED BY THE BUREAS AND THEY ARE NOT CONDUCTING PROPER INVESTIGATIONS.

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 2023-07-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
This company is reporting a late payment for XXXX XXXX  but this account has never been late for the life of the loan. Its simply rude representatives that do not care anything about the consumer or trying to resolve an issue that is of no fault of the consumer. This company responded to a complaint but omitted key information. The company failed to disclose that each time I called them I explained to them that I mailed in the first letter in the appropriate amount of time and was repeatedly told by the representatives that there was nothing they could do to help me and that I just needed to make regular payments. I kept calling. I did not just decline as they put in their response. That doesnt make any sense why someone would continue to call just to decline to pay. I explained that I was on XXXX XXXX in an austere environment and could not receive phone calls or mail from XXXX XXXX XXXX to XXXX XXXX XXXX. This company is lying by leaving out so many important facts. I gave them proof that I was on XXXX XXXX and the representatives laughed at my situation over the phone. I could only use the phone a few times. I sent that paperwork through the mail and whoever accepts the mail for the company did not get it to the right place. The included apology is just another slap in the face. Im never buying another XXXX after this. A horrible way to treat XXXX when I called repeatedly telling you I could not accept phone calls or receive mail and that I needed to handle the situation while I was on the phone calling YOU. I have provided proof that I was on XXXX XXXX This company is reporting this situation inaccurately. This is in violation of 15USC code 1666b. The company is also violating 15 USC code 1681i ( 5 ) by reporting inaccurate information. They keep saying that they did not receive a form back however I have repeatedly called and told them that I mailed the form in as instructed on the form. They can not provide any proof that they did not receive the form that I sent in. The requirement to provide proof is on the company and they have not done that. They just want to take advantage of a military member that had no way of contacting them except sporadically due to training. They are even misspelling my name in the responses, continuing with what seems to be the standard of reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 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 2020-12-23
Company: LEXISNEXIS
State: AL
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:
They could authenticate me with my real address because they have an address supposedly thats mine will not let you talk to someone in USA and a supervisor is never around said they called and couldnt leave a message which is a lie they have XXXX XXXX XXXX XXXX  as and address which I have a state issue Id that says otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act 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 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 2023-07-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 I opened account with Citibank through Citibanks website. I have a credit card through Citibank since last 15+years and opened a savings account based on their request while I was paying my credit card bill. I transferred {$10000.00} from my Bank XXXX XXXX checking account to my Citibank savings account on XX/XX/2023. I made second transfer of {$5000.00} from my Bank XXXX XXXX checking account to Citibank savings account on XX/XX/2023. Both the transfers were successful. However, Citibank closed my account on XXXX XXXX without any reason. They stopped my access on immediate basis. When I tried reaching out to Citibank, they said that I will receive my funds of {$15000.00} via check within 90 days. However, when I did not receive my money within 90 days, I called them again and they said that I will receive my funds in first week of XXXX. On XXXX XXXX, when I called them again, they are asking me to reach out to Bank XXXX XXXX for the funds. Bank XXXX XXXX is saying that they can not do anything since the funds have already been withdrawn by Citibank. This is a huge amount and I am going through lot of agony and pain. Please help me resolve this issue. 
I have provided Bank XXXX XXXX XX/XX/2023 statement ( showing successful transfers ), Citibank debit card letter, Citibank debit card copy, Citibank welcome email, Citibank first funds transfer email, Citibank second funds transfer email, Citibank ATM card email, Citibank Paperless confirmation email and Citibank Account linking email as attachment.

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