BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
complaint against EDUCATIONAL MANAGEMENT CORP. I TRIED TO RESOLVE THESE ISSUES, THEY JUST SENDS ME A COPY OF THE PROMISORY NOTE. I ALREADY HAVE A COPY Standard loan of 10 years ( 120 pymt ) before I changed the loan term on 1XX/XX/XXXX to 24 months. My loans are fixed rate which accrues daily interest. 


On XX/XX/XXXX Conversion on both two loans from XXXX XXXX XXXX XXXX XXXX XXXX transferred to XXXX XXXX XXXX. XXXX Capitalization applied to both loans on dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 
While making monthly payments, I missed XX/XX/XXXX. 

Unsub at 6.8 % and sub loan at 6 %. 
There's no way that one missed payment in XX/XX/XXXX ( there's no way 1 month daily accrued interest is {$1000.00} ) ( listed as Interest capitalization ). And sub loan at 6 % ( there's no way 1 month daily accrued interest is ( {$450.00} ) ( listed as Interest capitalization ) and sub loan. 

I kept on making monthly payments none of my extra payments went to principal balances on both loans. 
On XX/XX/XXXX I requested in writing, email and over the phone that my tqo loans terms be changed as of that day from 10 year to 24months. My unsub I requested that monthly payments be {$400.00} and Sub loan monthly payments be {$210.00}. I had 7 payments and this company violated the borrowers rights by changing # 1 AND # 2 loans to # 3 and # 4 loans and the terms, stating that it was FTC who authorized the change of the terms of my # 1 and # 2 loans. Changed in XXXX of XXXX to two new loans. 

I never requested any changes on my two loans nor called XXXX. Now come tax time, I received a letter via email stating that tax year XXXX interest was only {$220.00} ; This amount does include payments you made toward loan origination fees and/or capitalized interest on loans made before XX/XX/XXXX. I have never had any loans inXX/XX/XXXX at all. 

BATE and Switch Recipient 's lenders name on another 1098E for tax year XXXX ( Student Interest received by lender ) ( {$1200.00} ). 

XXXX, sent to me for tax year XXXX interest was only {$220.00}. 

Now, I have been making payments to XXXX and receiving 1098E from XX/XX/XXXX-XX/XX/XXXX incorrect reporting interest for each tax years. 
This company turns around and have there apparent company Educational Credit Management Corporation. 

Once again this XXXX XXXX mentality taken advantages of XXXX XXXX XXXX borrowers economic income while paying off actual loans that I owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-06-10
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Chime to take advantage of their good savings rates. I promptly started transferring money from my regular bank ( XXXX ) to my account - tens of thousands of dollars. 

After some time, I saw that a third bank with whom my husband and I have our mortgage - XXXX  - offered a better savings rate, so I started to try to move my money out of Chime with the intention of closing my Chime account. 

I was able to transfer {$20000.00} from my Chime account to XXXX before Chime inexplicably locked my account. I can not access it at all. In order to gain access to my account, Chime is requesting I send the following information over non-secure email : SS Card ( Signed ) Proof of income ( W-2, paystub, etc. ) An explanation and documents for the incoming funds via transfers from " XXXX '' for {$30000.00}. Please include your account statement showing what funded your " XXXX '' account, the transfers to your chime account, and that it belongs to you. 

Under no circumstance will I provide a photo of my social security card via email. This request is so outrageous that I thought Chime must be a scam. However, when I then called them, Chimes customer service indicated that I would have to provide this proof of identity in order to access my funds. I offered my SSN, DOB and address to Chime by phone to verify my identity and unlock my account, but they insisted I had to provide the information via email. Their customer service tried to argue that emailing Chime from my XXXX email was a secure email- which is ridiculous. 

In addition, the {$30000.00} I had transferred from XXXX had been in my Chime account for some time before I tried to move it out - this time to XXXX. I see no reason why I need to provide proof of those original funds in order to access my Chime account. 

I have at least {$20000.00} still with Chime. I am desperate to get it transferred away from Chime after this terrible, stressful experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached.

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against XXXX and XXXXGreensky XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too Experian. 

XXXX XXXX XXXXcount # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXXGreensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
So my issue is I'm a victim of fraudulent transactions that I did not authorize my phone was stolen by someone i knew which also makes this harder to dispute but this happens all the time and we should be protected if something Like this does happen but anyways my phone had all my banking accounts attached literally a press of a button to have access to my accounts which is what happened there was over 12 transactions made to XXXX which was through my XXXX account then the person XXXX XXXX them selves the remaining money or the winnings I'm not sure but over XXXX dollars was used emptied out my account when proceeded to dispute my charges with chime which is my bank they were no help saying I have transactions with the merchant in the past and said yes of course I do its my app but these transactions were not made by me and that's the difference I also provided my time card that proves I was working at the time of these transactions I also filed a police report for these unauthorized transactions and still nothing this is a great amount of money that was spent literally back to back it literally looks suspicious I would never use that much money at once and clear my entire saving never I need some help because this ridiculous I need my money back and it doesn't help that thousands of other people have been experiencing the same thing and not getting their money returned this scares me because I need my money I have XXXX children alo I forgot to mention the transactions in question was just made on XX/XX/XXXX starting at like XXXX up until XXXX I believe also I have XXXX spending limit how they were able to empty my account is beyond me chime just does not protect your money and I am disgusting with their lack of concern I work hard for my money please I'm begging for help with this I also reached out to XXXX and XXXX waiting on responses aswell

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: SC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX  XXXX Balance Owed : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items DEPT OF ED/XXXX  XXXX Balance : {$7300.00} DEPT OF ED/XXXX XXXX Balance : {$44000.00} DEPT OF ED/XXXX  XXXX Balance : {$20000.00} DEPT OF ED/XXXX  XXXX Balance : {$22000.00} DEPT OF ED/XXXX  XXXX Balance : {$2400.00} XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX DEPT OF ED / XXXX XXXX Balance : {$44000.00} DEPT OF ED / XXXX XXXX Balance : {$20000.00} DEPT OF ED / XXXX XXXX Balance : {$22000.00} DEPT OF ED / XXXX XXXX Balance : {$2400.00} DEPT OF ED / XXXX XXXX Balance : {$7300.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF ED / XXXX XXXX Balance : {$44000.00} DEPT OF XXXX / XXXX XXXX Balance : {$20000.00} DEPT OF ED / XXXX XXXX Balance : {$2400.00} DEPT OF ED / XXXX XXXX Balance : {$7300.00} XXXX  XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2022

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 2023-07-24
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I paid off my student loan because off high interest. Through my credit card company. Ive called several times to make sure it was put in computer as paid off. I got confirmation from my other bank of check sent. The just keep telling me same thing they dont see anything on their side side showing anything going on with the payoff. This was done on XX/XX/XXXX. They have no problem sending me stuff that payments due when its not its paid off. They have always tried to XXXX me around and not help me. The services is American Educational Services. There number is XXXX XXXX. I w add it this resolved and away from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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: Public record information inaccurate

Complaint:
United States Bankruptcy Court for the Southern District of Texas has NO interaction with credit bureaus ( XXXX, EQUIFAX or XXXX ) which includes reporting information regarding bankruptcy cases or verifying the accuracy of information regarding bankruptcy cases held by these credit bureaus. The Federal Bankruptcy Court does not supply information to credit agencies ( XXXX, EQUIFAX or XXXX ) or to third parties like XXXX who is responsible for reporting this bankruptcy. 

The credit reports supplied by XXXX, EQUIFAX AND XXXX reflects a debt being reported by the United States Bankruptcy Court for the Southern District of Texas which is untrue. This bankruptcy was reported by XXXX and needs to be deleted immediately because all debts including bankruptcy can only be verified by the originator or it must be deleted. Attorneys and other case participants use these third-party services to collect and organize case filings in matters in which they are involved. It is this electronic filing which gives third parties like XXXX XXXX access to restricted or sealed case information and documents, typically in violation of court order. 

XXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. XXXX, EQUIFAX and XXXX are presenting this information as if it were supplied and reported by the United States Bankruptcy Court for the Southern District of Texas.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EQUIFAX, XXXX and XXXX are not maintaining reasonable procedures. 

Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' And I am opting out of their reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : UNKNOWN ACCOUNT Account XXXX Account name : UNKNOWN ACCOUNT Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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 creditors 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 UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete the accounts, or inaccurate information, from my file immediately & send me the results to the addressXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
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: Account information incorrect

Complaint:
The credit bureaus state my account was properly investigated but how is that possible if the account type - detail is inaccurate, the date opened inaccurate, the high credit inaccurate, the credit limit is inaccurate, the payment status is inaccurate, the last reported is inaccurate, the comments inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, and the 2-year ledger is inaccurate. 
The credit bureaus have violated my rights as a consumer under the following : 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 an account without my written instructions. 

This has been disputed numerous of times and it has been way over 30 days and still on my consumer report. 

Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
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