BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan of XXXX which is not a normal amount compare to XXXX mortgage loans. My income debt to ratio is excellent and my score/credit is in good status. I do not have any mortgages or auto loans. I only have two credit cards which i use. Suppose to be an easy mortgage transaction but I was wrong. there is no other way to call this, subject of mortgage loan discrimination. My loan was denied with the explanation of poor credit with the bank. I always had good standing with them in regards to my old mortgage loan. My credit card with the bank suffered a stolen amount that NFCU was unable to resolve. As a result my excellent credit with excellent credit score went from excellent to good status. From the time I submitted a loan application, it was going to take several weeks before application was review according to Loan officer it is taking long than expected for the loan. 3 and half weeks passed nothing, no call or anything. At this time home is already with the contract option pending. Yet i decided to wait to see the outcome because it was submitted to underwriting without any contract. according to loan officer i have to wait more weeks in underwriting if I am going to change the loan amount. which i supposed to since the home i was interested was not available anymore. I was waiting for their initial approval. After waiting a month It seem they were looking for an excuse for a denial that they could not find because I met all the loan requirements as it should be. Keep note I had good record of my old mortgage with NFCU that I paid off in full and didn't miss a payment. This is a case of a bluntly loan discrimination that NFCU is allow to get away with it apparently. I meet all requirements for a mortgage loan, I made sure before I submitted my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Persolve, LLC - Legal - Series 2
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX account has a balance of XXXX on my credit file, this debt was paid off on XX/XX/2023 through wage garnishment. 

The outcome Im looking for is deletion of the debt collections from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I took a forbearance option for Covid relief in XXXX XXXX XXXX  with Freedom Mortgage Corporation. During this time I was told XXXX of my options under this program was that I could put the payments missed toward the end of the loan interest free and that it would be discussed that the end of the forbearance term. I had XXXX extensions, XXXX in XXXX, and XXXX in XXXX XXXX XXXX, both to which I was informed for clarification purposes that my option was to put the payments at the end of my loan term interest free and this option would be enacted at the end of forbearance. It is now that time for this option to be enacted and I am told that option is no longer available under the VA and my only XXXX options is to pay an additional XXXX a month for 6 months it start a new term loan with skyrocketed interest rates under a new term if I qualify. Im not sure how this relief plan helped anyone but I am cheated.

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 2023-11-22
Company: EQUIFAX, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint against multiple creditors for several violations of consumer protection laws as outlined in 15 U.S. Code 1692e, 1681b ( 2 ), and 1681s2. The violations pertain to false or misleading representations, inaccurate reporting of debt and payments, and responsibilities of furnishers of information to consumer reporting agencies. 

The following creditors have engaged in actions that are in direct violation of the aforementioned statutes : 1. XXXX XXXX - Charged off the account and continues to report the debt as the lender. 
2. XXXX XXXX - Charged off the account twice, once in XX/XX/XXXX and again in XX/XX/XXXX, while continuing to report the debt as the lender. 
3. XXXX XXXX - XXXX reported premium payments as a collection on my credit file, with an inaccurate amount. 
4. XXXX XXXX XXXX XXXX XXXX. -Account are closed but not reported Paid as agreed which still inaccurately reported by XXXX XXXX Equifax XXXX and XXXX XXXX. There are accounts are past the 7 years outdated and still being reported. 
5. XXXX XXXX  - Failure to update the status of a student loan that has been forgiven, reporting the loan amount but not reflecting the XXXX balance. 

These actions are not only misleading but also detrimental to my credit report and financial standing. Despite providing written instructions and resolving certain accounts, these creditors persist in reporting inaccurate and misleading information. 

I request a thorough investigation into the conduct of these creditors and urge the Consumer Financial Protection Bureau to take appropriate action to rectify these violations. Additionally, I request the correction of my credit reports to accurately reflect the resolved accounts, the forgiven student loan, and the accurate status of each account. 

Enclosed with this letter are relevant documents, including account statements, payment confirmations, and any correspondence exchanged with the aforementioned creditors. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take necessary actions to ensure compliance with consumer protection laws. 

Thank you for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 Then and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-01-30
Company: Aqua Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
At the end of XX/XX/XXXX, my ex-husband died. This debt was split specifically in a court order during our divorce. Ive provided documentation and ask for the company on numerous occasions to file with probate court to receive his half. They have also advised me historically that I am not responsible for his half of the debt. While Ive continued to pay on my half of the debt, to date the company still has not taken appropriate action in this case. As a single mom with a young child, I feel that this company is taken advantage of me by refusing to follow a court order and file in probate court as is reasonable in this case. Let alone my child has now lost a father and source of income from child support. 

Furthermore, as of today XXXX XXXX, I have realized that I have not received any type of billing statement from them since XXXX of XXXX. Also, my online account has not been updated since XXXX of XXXX for any billing payments that I have been making every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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 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 2023-10-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to submit a formal complaint to bring your attention to an unresolved issue regarding my consumer report dispute. I have previously submitted a dispute with Experian concerning inaccurate information on my credit report, as mandated by the Fair Credit Reporting Act.

In response to my dispute, Experian has refused to investigate the matter, asserting that they do not believe the dispute originated from me. This claim is despite my submission of clear and thorough verification of my identity along with supporting documentation that unequivocally supports my dispute.

I believe that this action by the credit reporting agency constitutes a stalling tactic and is in direct violation of the Fair Credit Reporting Act. As a result, I am facing significant difficulties and challenges related to my financial and credit standing due to the presence of this inaccurate information 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
Consumer complaint received 2023-05-12
Company: JPMORGAN CHASE & CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is complaint number XXXX for the same issue. Chase continues to " lose '' my payments that are coming from a XXXX party payer. I am XXXX years XXXX and have had this loan since XXXX of XXXX. From XXXX of XXXX to XXXX of XXXX, I made all of my payments on time. I became XXXX as of XX/XX/XXXX and per XXXX XXXX ( where my payments are coming from ), I can not submit my monthly XXXX statement to them any earlier than the week of the XXXX of every month, because that is where my XXXX date falls on. I have conveyed this to Chase MANY times. I understand that my payment due date is the XXXX of each month, however, I have no control over XXXX XXXX  policies as well. As of today 's date they have not posted the FINAL payment, and I continue to be assessed late fees. I have escalated this all the way up to the Executive Office at Chase Auto Finance. A representative by the name of XXXX XXXX in Chase Auto Finance, who handled the previous complaint, conveniently told my insurance rep XXXX that my payment due date could be changed. I find this amusing that it can be changed 2 months prior to the loan being paid in full, when I asked if it could be changed XXXX years ago and was told no. I have consulted with my attorney who has advised me to keep filing these complaints and keep track of them. She has also advised me that I am NOT responsible for the late fees, as this is out of my control. As of today, I've been charged another {$15.00} late charge for a check that was mailed XX/XX/XXXX in the amount of {$610.00}. This whole issue is discriminatory to people with XXXX and creates unneeded stress to me which is not good for any of my health conditions. XXXX XXXX is doing their job correctly, Chase is not. I have been told that I am not the only account this happens to, which to me should be a sign that their process needs to be reevaluated and modified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian is reporting an inaccurate late payment for the XXXX XXXX XXXX XXXX  account ending in XXXX. A 30 day late payment posted on XX/XX/2022. This is incorrect and supposed to be reported as PAID AS AGREED. Pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report or file. The inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-11-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX or so, I made a cash deposit of {$5000.00} via ATM. I then made a ACH withdraw request, asking XXXX to get the cash from the Citi account. This was because I was going to transfer the money overseas using XXXX. This would have been a much cheaper option than doing an international wire transfer. 

On around XX/XX/XXXX, I couldn't log into my account. I tried to reset my password, and the site told me my account was inactive. I called on XX/XX/XXXX, and Citi transferred my call to the fraud department. I told them why I made those transactions as above, and that I recognized the transactions, and they were not fraud. They only told me that the account was " in progress '' and for me to wait to the end of the week. 

Today XX/XX/XXXX, I called again and was told the same story. They told me they should have sent me a letter, but I have not received anything since the issue first came up around the XXXX. Citi is just keeping my money frozen with no estimates of when they will resolve.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 THE PERSON MAKING THIS COMPLAINT NOT A THIRD PARTY BUT ME XXXX XXXX. PLEASE DO NOT CLOSE THIS COMPLAINT DOWN AS THIS IS MY FIRST COMPLAINT IVE MADE TO YOU. So I went to buy a house and they pulled my credit and i noticed a bunch of accounts that do not belong to me so i sent in an ftc report and a letter to the credit reporting agencies and they havent done anything and its been months.

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 2023-12-16
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: Account information incorrect

Complaint:
I have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed not only for the utter fact that I have never been late!, however also the fact that they have failed to give a response on information Ive requested within the 30 day time frame Ive requested it in. With several emails that will be attached following no response. This company then proceeds to charge my credit card balance without my express consent or permission to continue service with them to supposedly build credit but up the amount of money I have to pay every month from {$2.00} to {$5.00}. Reporting now 2 late payments from XX/XX/XXXX and XX/XX/XXXX these are both inaccurate and false when I paid all balances every month on time. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 

15 U.S Code 1666b.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 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 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 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 2023-06-10
Company: Experian Information Solutions Inc.
State: IL
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXX Please remove it from my credit report. XXXX This account should not be reporting on my credit report XXXX XXXX ( account number XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 2023-11-27
Company: Chime Financial Inc
State: PA
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:
Hello Team, I have a checking bank account in bank named Chime. On Friday XXXX  early morning at XXXX i got more than 1 emails notifying my useid, pwd, email and phone number for my banking account has been changed. I reported this online fraud to the Chime bank customer care but they were very cool and did not show any eagerness or concern. i was told to wait for all the 3 fraudulent transactions to be completed so they can raise a dispute. The Chime bank locked my account and then restored my account claiming now its safe to use after verifying my identity. The Chime bank also cancelled my current Debit card and sent me a new debit card. after one day again somebody used my account to make a fraudulent transaction but since there was no money in the bank acct the transaction got declined. My identity got stolen and even after the bank claimed they have secured my account again somebody used my account to do a fraudulent transaction. I need help on this identity theft matter since Chime bank is showing very neglible and muted response. ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NJ
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:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my 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 creditor. Please correct the account : XXXX  XXXX

Company response to consumer: Closed with explanation