BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I can't log into my new online account on EdFinancial. I can log into my old account, but not the new one. EdFinancial has a new system. I got an email saying my new account is ready. I logged in correctly and it's still not letting me in. I correctly put my password and username. It's says I'm not in the system. Other people have this problem. I have contacted EdFinancial but they have not reply to my emails or calls. I even used their chat line and they completely ignored me. How am I suppose to pay my loans if I can't even log in to my account? I need this fix now. I want access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I explained to Chime Immediately that I sent funds to wrong person., ( They had same first name ) I've never used this type of service, nor shown how to do so. I was in tears. They said they opened a fraud dispute. It was denied I wanted it reinvestigated. It denied again. In one night I sent out XXXX $ twice one to the right person, and 1 -XXXX $ to wrong person. It was an honest mistake, I notified them immediately, I have records, transaction history, and emails to these people, I can't get any supervisor are human to help me.. I ln sure I'm not only one in the world who has made a mistake due to me not knowing how to use this kind banking, nor was I ever shown, not even a video do they send me to assist. I'm below poverty level. I live on my Social Security benefits less than XXXX a month. I need ever cent I get and then some please help me find out where my money is and they give it back. I'm old. But I'm not stupid. They don't even answer my emails.they make me feel WORTHLESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We reported fraudulent activity on our account, they provided credit at first. Then the said that the charges were valid ( showing us no proof of validation ) and put the charges back on our account and closed our credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Capstone Credit & Collection, LLC.
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 requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested CAPSTONE CREDIT & COLL to provide me with competent evidence that I have any legal obligation to pay. I get no response from the company, but they continue to report invalidated information to all of the three major credit bureaus ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Pacific Union Financial, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Pl ease consider this correspondence to be formal complaint to the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).    The denial letter was also not received for an appeal period to be responded to until  XXXX / XXXX  /2017 and  the file was denied  in  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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:
I am formally contesting any inaccurate or undocumented information found in my credit report, including unverified claims. I am exercising my rights under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and items lack factual proof, hence challenging their reportability. Federal and state laws require accurate and complete reporting of allegations, and it is inappropriate to report claims that are known or should be known to be unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The information Southwest Credit Systems is mailing me are all false. Documents of validation was sent to them 2 weeks ago and they did not respond. I refuse to pay something I didn't owe in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CORELOGIC INC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wrote a very detailed letter to request all inaccurate information listed on my credit reports to be updated and permanently removed. Upon deletion, I requested a letter after the information has been updated and/or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been having problems with a Lane Bryant open without my consent. In XXXX store a Lady claim to enrolled me on a club membership for Lane Bryant and asked for all my info to get 10 % off. Regardless of what happen, refused to get a payment and said I is complementary for your application today. I still paid the bill send to me later. I paid {$19.00} for a XXXX dollar item. even do I paid the bank they gain their credit cards community Bank has attempted to get over {$500.00} dollars from me for their abuse. I reported them to the credit bureau and they fail to give a solution to the situation. till now they have been lying on my credit report and harassing me for no reason giving bad feedback about me even do I paid. 

their persuasive agents become personal, aggressive and attempt to induce you to pay more and more every time their abusive customer service personnel become very personal agressive and inducing when I call claiming random reasons as to why I should give them more money every time. 

I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: KEYCORP
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My Complaint about the Key Bank Complain subject : Property insurance Inception : XX/XX/XXXX Entity name : XXXX XXXX XXXX XXXX There was property insurance in effect from the XX/XX/XXXX. 
However, the bank claims that the insurance we placed is not according to requirements after XXXX renewal. Our insurance remained the same. 
Bank had put lender placed insurance without informing us and had been collecting premiums from the bank through ACH which I didnt catch till later. 
The normal method of notification is through XXXX, I was never informed of the inadequacy of the Insurance and the Banks intention of placing insurance and after they placed the insurance. 
( I wanted to prove my understanding that the Bank informed any issue they deemed important through XXXX  by stopping payment. As expected I received a XXXX letter within seven days. ) So, I carried two sets of insurance for the last year and they still refuse to remove lender placed insurance after we satisfied all their requirements. I am carrying two sets of insurance as now and did so last year too. 
We enquired as to what is not covered, but the information come in pieces and the bank was never satisfied with what we provided. 
So we asked the bank to provide the full policy document for the insurance they placed. But they refuse to give us the document. The bank wants us to provide the certificate, full policy document and payment receipts, but refuse to reciprocate. 
I am at my wits end as they simply keep taking funds through ACH and I have no control. They claim they placed insurance but refuse to give any proof. 
So, I need to get refunds of all the bank placed policies as we had insurance in place to cover the whole period. If the coverage is lacking, I need proof of their coverage and specific costs and costs just to cover what was lacking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXX/XX/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 2022-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit bureau is not updating my correct scores. Everytime my score reaches a higher score the credit bureau will decrease my scores. I am trying my best to take care of my family and because of this issue it is very difficult to find a home for my kids and I to live. I feel like it is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I went to Equifax 's website to un-freeze my previous freeze on my credit. After troubleshooting several log-in pages that were no longer accessible ( error pages came up in several parts of the website ), and multiple website errors claiming more information needed to be completed in the account information form- even though all required boxes were filled in, I was able to set up an account. As part of the verification process I was asked ( 4 ) security verification questions about my credit. ( 2 ) security questions claimed that my credit report " may '' include a car loan from XXXX and asked about the amount and the loan provider. I have no such loan, so I checked the " none of the above '' boxes to both questions. ( 2 ) security questions claimed that my credit report " may '' include a loan from XXXX and asked about the amount and the loan provider. I have no such loan, so I checked the " none of the above '' boxes to both questions. I was then informed that I had answered incorrectly and that to access my account I would need to fax or mail personal ID documents, write coverletters, etc. I have verified through other credit reporting agencies that none of these loans are on my report. I can not get access to my Equifax credit report because they deny access to my account until I send them the information. I am telling you right now, that as soon as I get my report these false loans from XXXX and XXXX will not be on the report. I believe that the security questions they generate are deliberately inaccurate in order to kick-off these lengthy " verification '' processes that just give them more access to our personal data that they can then subsequently lose to hackers and data breaches. Now they will have photocopies of my personal documents on file for hackers to steal too. On the same date XX/XX/XXXX I was able to unfreeze my accounts at XXXX and XXXX without any issues in about 5 minutes. Now my mortgage loan will be delayed because I have to go through Equifax 's paper wild goose chase that they started in the first place with these security questions they generate that have inaccurate information. This is not the first time this security question issue with inaccurate answers issue has come up with them. As soon as I am able to get a report to prove this deliberate ineptitude I want to hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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: Information belongs to someone else

Complaint:
I started a complaint under XXXX XXXX XXXX XXXX XXXX the credit agency stated still in review on XX/XX/XXXX the responded to me verified. 

Now how is this possible its fraud and the company reporting is fraudulent as they are reporting an address I dont live at and also I have never done business with them. 

There is no written documentation giving them consent to do business with them or having financial obligations

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-01
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested in writing via certified letter the following : XXXX CERTIFIED MAIL WITH RETUR RECEIPT To whom it might concern, Commonwealth Financial Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Alleged account / balance : {$1200.00} Alleged original creditor : XXXX XXXX XXXX XXXX XXXX Alleged Account # XXXX Dear collection agent, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from {$1200.00}, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I'm allowed under the Health Insurance Probability and Accountability Act ( HIPAA ) to protect my privacy and medical record from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX, for them to release my medical information to a third-party I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization XXXX Please provide breakdown of fees including any collection cost in medical charges. Please provide a copy of my signature with the provider of service to release my medical information to you.. I am also requesting that you cease and desist all collection activities including reporting to all consumer reporting agencies/ credit bureaus. I also promptly request deletion of any and all prior reporting that was made to all consumer reporting agencies/ credit bureaus. If you comply with my deletion request within 14 days, verification is excused. I Also promptly send me a verification letter confirming the request to all consumer reporting agencies / credit bureaus deletion of your reporting of this alleged debt. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA-compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with the alleged debt. 
Please be aware, if you choose NOT to comply with my demand letter, I XXXX turn this over to my local States Attorney General XXXX and a local attorney. I have also Directly Faxed this letter to the XXXX XXXX XXXX XXXX @ XXXX. 




I received a letter with the allegedly {$1200.00} but not the breakdown of the allegedly amount. I also asked for the deletion of this debt from all the reporting agencies and until today it still appears in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reached out to  XXXX  an d Trans Union  to get the information on my credit report updated and accurate. I asked for them to please send me verification of the debts I am contesting according to the Fair Credit Reporting Act, Secti on 609 ( a ) ( 1 ) ( A ), y our company is required by federal law to verify - through the physical verification of the original signed certified consumer contract. I received letters back that they had verified them but I did not get any documents with signatures or proof in regards to these debts.

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 2023-07-19
Company: Spring Oaks Capital, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Was XXXX and had charges not aware of with NC XXXX XXXX XXXX. Have been victim of XXXX XXXX XXXX XXXX leak and ever since then I've had issues with fraudulent charges. They keep contacting me even though I file disputes. Even tried credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

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

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

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX Balance : {$24000.00}

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