BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: EdFinancial Services
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
EdFinancial has been a nightmare from day one. Response times for critical issues are abysmal. The servicer was to provide me with a statement showing particular information to provide to my employer program for repayment benefits. {$100.00} a month in student loan repayment assistance. An account number was provided about a month or so after request and provided to my employer. Once payments were started to be remitted beginning in XXXX, the ACH would clear, but payments were not applied to my account. I had to manually email servicer a copy of the ACH information to apply to my balances. Email correspondence took weeks for a return, and the funds were applied almost 2 months later. This continued, after repeated requests to update any issues that may be causing this, 4 additional times. Only in XXXX did the servicer relay that through the transition to a new online platform they had changed my account number. From XXXX to XXXX, multiple requests were made to attempt to correct issues they were having. Once the new account number was provided, I provided to my employer, and now I await XXXX test run to determine if it will be applied accordingly. 

However, a new and more pressing issue has presented itself. When repayment was slated to resume, I took it upon myself to explore my options. Through the urging of the government and this servicer, I used a tool that helped me determine if an IDR plan was appropriate. After several turns on the student loan site, it was determined that a more appropriate payment option was a graduated payment plan, and I began making payments as soon as payments resumed. Well, this past Saturday, I received an email stating that my IDR application was approved and my new payment would be almost double what it was in my graduated plan. Not only that, but the payment would be withdrawn from my account in 8 days when my next payment was due. As this was not acceptable, I tried to go online to switch back to a graduated plan. This feature was unavailable, and suggested that I contact them to change. As they arent open on Saturday, I had to wait until Monday. On Monday, I tried all methods of contact only to find that their phones were perpetually giving a busy signal. So I tried a chat, and it was only alluding to using the repayment tool to change my plan, and it was again unavailable to my specific situation. Throughout the day, no phone call was possible, and the only option remained an email, which has an unreliable timeline of response. So not only was I given almost no notice of a repayment change, I was given no opportunity to rectify this MISTAKE before it had a monetary impact on me. I believe this servicer to be in direct violation of a number of consumer protections and am increasingly concerned of how my accounts will be handled in the future.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-31
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Last year I reported to Citibank that one of cards was missing so they closed my account and said a card was on the way but it never arrived. I called costumer service and a person said I should be receiving something in the mail and to look out for it. 

I never received anything in the mail and come the new year I decided to revisit issue of the missing credit card. 

This time the customer service agent said my account was closed and that I would not be receiving a replacement and would be set close upon expiration. When I asked why it was closed they couldnt tell me the reason. I dont have late payments, I havent used my card simply because I dont have a card to use. The most recent attempt to reach out was last week when I wrote a tweet to CFPB and mentioned Citi which prompted someone from @ XXXX to reach out and she was super helpful in trying to find a reason why Im in this situation and she submitted a request to reopen the account. Come today, I receive this response XXXX XXXX, thank you for your patience. I received a notification that the reopen request was denied. The reason for the decision was related to your card yearly review ( card set to expire ). Based on the results of the review, Citi made the decision to not reopen the account. I still find myself confused as to why they have decided to close one of my oldest accounts, with no history of misuse or ever being late with a payment. I simply havent used it in a while because I did not have my physical card.

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 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX it was discovered while on XXXX that there were hard and soft inquiries on my credit profile that were fraudulent from entities only from XXXX, Georgia and New York ( XXXX XXXX ). The only account I have is from XXXX XXXX and I know that all my personal information and identity were sold or maliciously given or transferred over to third parties with criminal intent my former employer was also from Georgia ( XXXX, XXXX ). A company whom I reported on XX/XX/XXXX XXXXXXXX XXXX to and was retaliated against and since then have been paying the price and am now XXXX and can't get a job and now this. XXXX XXXX along with the California XXXX XXXX have manipulated my paystubs with only one paystub having the name XXXX XXXX XXXX and all others having XXXX XXXX. Why did the California XXXX XXXX take my refund for my XXXX tax year? Because they issued that one check with my full name that the IRS verified and they tapped into our conversation since my affiliation from XXXX XXXX XXXX was with the University XXXX XXXX  the same University I am suing due to me being XXXX. Moreover, TransUnion and XXXX have also neglected to report my XXXX XXXX account the Department of Education has awarded me and that is in outstanding status under my verified legal name XXXX XXXX XXXX with the IRS and Social Security Administration, etc. Neglecting to report and delete credit profiles again and again is a violation of many laws but my equal protection is ripped to pieces. I have a letter dated XX/XX/XXXX from XXXX and I have the paystubs from XXXX and some other documents but some have been stolen by people that the IRS will remember. Tax evasion was a dismissed court case I submitted so I tried to protect my Americans and myself so don't try XXXX XXXX to me in anyway shape or form ever because when someone writes their name on the ballot and they're ballot is prevented from being counted that is fraud ; for governor.

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 2022-12-29
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
PayPal is refusing to close my open accounts. I have this odd feeling that we me being homeless that certain accounts that I lost access to as a result of my telephone number with XXXX  not being able to be recovered or ported resulted in my inability to recover these accounts due to XXXX. 

All attempts to engage corporate to close any accounts in my name have been met with shenanigans as well as acts of avoiding contact. They fail to establish a good time to reach me and instead engage in acts that mirror someone doing the least amount of work to contact me while leaving my accounts in play. 

I want all accounts in my name closed. They are requiring an excessive amount of information in order to close the account and are in my opinion abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
in accordance with the fair credit reporting act XXXX  account XXXX professional debt, 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 states a consumer reporting agency can not furnish a account without my written instructions in accordance with the fair credit reporting act convergent account XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXXXXXX is reporting late payments and I did not complete these payments late as I reported that card as lost and stolen it was fraud. late payment dates XXXX, XX/XX/22, XX/XX/22, XX/XX/22

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 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Item reappeared / a different company reentered a fraudulent collection previously removed by TransUnion. Original reference - some type of presumptive medical service in Texas ( 2015 ). I have lived in XXXX for 25 years. I have a mail address in XXXX, Texas. 

The 3 major USA bureaus have both my XXXX and USA addresses.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 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 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 2023-06-24
Company: EQUIFAX, INC.
State: TN
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 previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

this is a XXXX account XXXX this account was closed in 2019 because i paid it off and i was always on time. 

i asked for verification before of the late payment but XXXX  XXXX and equifax has not sent me the results of the verification either. 

this account is closed and still shows up as open as well. 

this is hurting my credit score and my financial health and i want it updated to the late payment being removed from my XXXX  account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification from XXXX XXXX in regards to a debt that I was unaware and NEVER received a letter. however what concerns me is that I rent from this company - theyve have not informed no letter about debt validation / verification. This collection is absurd and really believe this company did not do proper ways to contact. I have not resided in the residence since 2015. Why would it appear on my credit. XXXX XXXX has been sold 3 times, when leaving the company a Walk-thru is required ( inspection ) and a {$0.00} balance is required to be able to rent another property from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SANTANDER CONSUMER USA IS IN VIOLATION OF XXXX XXXX XXXX XXXX XXXX XXXX. I sent SANTANDER CONSUMER USA a letter on XX/XX/2021 opting out and revoking consent from SANTANDER CONSUMER USA to disclose my nonpublic personal information which is my personal identifiable financial information to any nonaffiliated third parties. SANTANDER CONSUMER USA continues to disclose my personal identifiable financial information to nonaffiliated consumer reporting agencies. Once SANTANDER CONSUMER USA receives this complaint I expect it's officers to comply with my request. Examples of personal identifiable financial information SANTANDER CONSUMER USA can no longer disclose to any nonaffiliated third party can be found in 12 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Chime Financial Inc
State: TX
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:
Personal information, social media accounts, email accounts, and all banking accounts that I own have been compromised. I purchased a used unlocked XXXX while overseas working with the Department of Defense in XXXX. Phone had malware already downloaded on the device, unbeknownst to myself until a week ago. 
However, Im more upset that money was being funneled from my Chime account slowly for several months, and this bank did not flag anything as suspicious at all. While Chime is not my primary banking institution- I do check it every once in a while, but not so often. I use it for recurring subscriptions, to send money to my mother, and pay cell phone bills. My income and investments are deposited to my XXXX XXXX XXXX XXXX account. Looking over several statements- one particular merchant has been charging money utilizing my debit card number almost every other day since the purchase of the phone. There are several duplicate transactions that were made, and still no security or fraud alert from this banking institution. Surely charging my account down from thousands of dollars to XXXX dollars every month by the same merchant should raise a red flag. But it did not with XXXX XXXX Chime . I assumed all of my bills on auto pay were simply coming out. Im very convinced that maybe this bank is aware that it can easily be hacked and allows its consumers to be scammed, and not even rectify or reimburse unauthorized charges. And its evident that they can not be counted on to protect consumers from this type of thing happening in the first place. This bank is consistently a target for fraud, at the expense of its consumers. Especially being a XXXX veteran who deposits my XXXX portion of income directly with their bank due to convenience. The convenience has now become an inconvenience. I do not feel safe depositing anymore large sums of money with this institution, and I do not believe a sufficient investigation has occurred or will occur. Its went on for far too long with negligence. 

The merchant used to funnel money is a cash gaming site that allows users to deposit money and withdraw the funds via XXXX. Everything all around s screams scam. I am a victim of identity theft. Ive already filed a police report with XXXX police department, an indenting theft report with the FTC, a complaint with the FDIC, and now a complaint with the CFPB. Because my finances were not protected at all. Nobody cared or ever batted an eye at the clearly suspicious activity! Only when I caught on myself. Then I was asked why didnt I say anything- when I just saw everything. Why didnt my banking institution notice? Why didnt they alert me? Most banks have you to physically call to verify charges that are suspicious. This bank did nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Apple card was blocked in XX/XX/. And this also caused my Apple Savings account restricted. It has been almost three months. I have been calling customer support multiple times and asking to get the restriction removed. However, they couldn't even tell me why my account was restricted and when it would be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
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 recently checked my credit report and noticed that there were a late payment reporting from XXXX XXXXXXXXXXXX XXXX On XX/XX/ I contacted The issuer they stated all my payments were on time and that it was the reporting agencies reporting in accurate information you have violated the United States code law tila 15 U.s. code 1666 ( b ) billing error as a consumer by law these accounts need to be updated or deleted immediately. Or I will seek monetary compensation for violating my rights in Small claims court in my city and state under 15 usc 1681n. Civil liability because Ive been violated

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