BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-20
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am disputing this frivolous account. This account is being attached to me and has ruined my life! I have sent several requests ( 5 ) to be exact requesting this collection company and all three credit bureaus to validate and theyve failed to provide me proper, and accurate validation of this preposterous account. The most recent letter I sent was dated XX/XX/XXXX. I received a response from Southwest Credit on XX/XX/XXXX, the company responds with an alleged and fabricated statement with the company listed name XXXX, however the all edge client name is time warner cable. The bills each have different amounts ranging from {$640.00}, {$540.00}, {$340.00} HOWEVER the company demands my current balance with them is {$320.00} YET they are reporting to ALL three credit agencies the said amount owed is {$130.00}. This company has lied to the credit bureaus whom has FAILED to properly verify this underestimate the FCRA. I am demanding this bogus account be removed immediately and erased because it is no way associated to me. I have attached my proof! I demand this company remove and the bureaus remove it as well..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
-My funds-approx {$750.00}, have been frozen since approx. XX/XX/XXXX and is still frozen today XX/XX/XXXX. 
-I have provided everything they have asked, sometimes there have been up to 12 days in between responses from their " review '' departement. 
-Their telephone customer service reps. can't help at all. 

-They kept requiring me to send in a physical copy of my social security card ( they had my number from day 1 ), which I didn't have, and finally asked for my birth certificate instead, which I sent immediately, then new problems arose. 

-They are asking for my source of funds which were {$13000.00} over a XXXX month period. I gave them full disclosure, and have sent over my XXXX tax returns, license, birth certificate, XXXX from the military, and utility bills. I also sent them numerous emails with explanation. I also have a passport to offer them.

-I used the funds to pay off credit card debt and now I am broke and my kid is hungry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: CITIBANK, N.A.
State: SC
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:
Around XX/XX/XXXX received completed compliant from XXXX. Citimortgage closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. Citimortgage retained mortgage all this time Since XX/XX/XXXX .All they ever done was changed Account number. But Citimortgage has been lien holder all this. Since XX/XX/XXXX when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on Citimortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: BMW Financial Services NA, LLC
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no  knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Affirm Holdings, Inc
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Affirm is in violation of my natural rights as a person and I demand that Affirm rectify the unlawful reporting of a debt that is not owed to the company!!!! Ive contacted XXXX about removing the falsely reported debt from my consumer reports and they responded that they data furnisher verified the debt. XXXX nor AFFIRM have provided any documentation as to who owns the debt!!!! This is called Debt Parking by the FTC and is in clear violation of 15 usc 1692e and a violation of 15 usc 1692d because this type of false reporting is harassment!!! AFFIRM is also in violation of 15 usc 1692g. AFFIRM has not provided legal documentation according to the Fair Debt Collection Practices Act. These violations make AFFIRM civilly liable in the amount of XXXX per violation pursuant 15 usc 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX from Stoneleigh Associates XXXX is calling my place of employment everyday and if he doesn't get me on the phone is talking to my coworkers and manager about my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed my mortgage with XXXX XXXX XXXX XXXX. My loan was bought by Lakeview Loan Servicing shortly after. I paid {$950.00} at closing for 3 months worth of property taxes that would be due for 2018 when I closed on the house in XX/XX/2018. The {$950.00} was instead sent to my escrow account and not to the property 's tax account. I received a notification of delinquent taxes from my county and addressed it with my loan servicing company. They took the money due out of my escrow account in the amount of {$720.00}. They subsequently increased my monthly payment by {$61.00} every month to account for the {$720.00} paid for 2018. 

I have been paying {$310.00} in escrow payments every month to account for year end property taxes. The {$720.00} that was due for delinquent taxes should have been covered by the {$950.00} that was put into my escrow account instead of my tax account at closing. That leaves a {$230.00} surplus on top of the {$310.00} I have been paying every month since I closed on the house. 

Somehow, the mortgage company seems to think I owe that {$720.00} to them now. I do not understand how a surplus of {$950.00} on top of monthly escrow payments minus a {$720.00} paid in delinquent taxes puts my escrow account in a deficit. I have addressed this issue with the company on four different occasions and have been told different answers each time. Between the original mortgage company that processes my load and the loan servicing company that bought the loan, the {$950.00} was not accounted for properly and I am being held accountable for their mistakes.

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 2021-05-04
Company: Experian Information Solutions Inc.
State: NV
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 have disputed my debt with XXXX XXXX XXXX over 5 times already with experian. They have failed to properly investigate this debt and just accept a yes from XXXX XXXX without any actual proof of this debt. I never opened this account and XXXX XXXX has no actual proof of who opened this debt. I have disputed with XXXX  and with Experian. I have sent letters requesting valid proof of debt under FCRA section 611. This debt has hurt my life and family as i am being punished by experian for a debt that is not mine. This debt must be deleted right away as it is not mine. The amount that they are asking for is {$820.00} and have tried to trick me into paying for a debt that isnt mine with harrasing me and saying i will be in legal trouble over phone calls. This company should be investigated and experian should not be allowed to report debts if they dont even take time to properly investigate the debt. I have also submitted the letter i sent to XXXX XXXX requesting proof and they sent me a bill showing somone made charges on a account i have no knowledge of. They never sent any proof of the debt! Just becuase somone else or this company has a bill for a purchase used with this account, does not make it valid to be mine! Under the law they must show actual proof like a valid ID that was used to open the debt. Or anyone can just open accounts and without proof everyones credit would be ruined. That is called fraud and XXXX  and Experian are letting this happen.

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 2019-03-21
Company: EQUIFAX, INC.
State: TN
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:
In XX/XX/2018 I set my XXXX XXXX card up for automatic payments. At the end ofXX/XX/XXXXl the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XX/XX/XXXX would come out automatically for XX/XX/XXXX and XX/XX/XXXX. The end of XX/XX/XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XX/XX/XXXX andXX/XX/XXXX. I was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XXXX of 2018 I set my XXXX XXXX card up for automatic payments. At the end of XXXX the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XXXX would come out automatically for XXXX and XXXX. The end of XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XXXX and XXXX. I was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and Equifax credit bureau regarding a collection/charge-off that was opened in 2017. Equifax is still the only credit bureau listed on my credit report while XXXX and XXXX  has since deleted this collection/charge-off from my report the first time around. The account has a balance of {$0.00}. It is well over 30 days and the account still hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My wife received numerous calls asking for personal information. They would not identify themselves or what company they were from. My wife asked for a supervisor and the supervisor identified themselves as US Bank only after repeated questioning. We did not give them any info. I contacted US Bank and have no issues with any of my US Bank accounts. US Bank said they never contact people by phone over issues and thaqt this was fraud. Fraud telephone number is XXXX. 

Thank you 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 2019-05-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my DOB is XX/XX/XXXX SS XXXX my current and only address is XXXX XXXX XXXX XXXX , XXXX, OH XXXX. I have some issues with my name appearing on my credit report incorrectly my on name should be XXXX XXXX XXXX, please remove any other variation of my name. I have several addresses showing that are not mine they are not accurate please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX It could be possible maybe a Ex Spouse address that I am not associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX RE : XXXX XXXX  are inaccurate being reported As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and instead theres 2 pending loans which are being label as transfer to another office, and then the inaccuracy that shows on my credit reports as well. Meanwhile as to reviewing my credit report, its shows there are 2 open student accounts and as a result its lowering my credit score. However, I did try to trace the various loan holders and its always a dead end. Nonetheless, XXXX XXXX  does claims they tried to retrieve my last two loans from XXXX XXXX  and XXXX, and this process may take from 30-150 days ; and when the companies do fail to reply, then they will resubmit the process again. Moreover, I know theyre given me the run around and its effecting my credit reporting overall. Needless to say, I do find all concerns above as frustrating that needs a corrective action, so please call with the number listed. Thank you for investing your time in me. 

The ongoing of my federal student loan Process : XXXX XXXX XXXX XXXX sold my loan to a Debt Management Company, then they wholesaled wholesaled to XXXX XXXX XXXX XXXX, then reselling the loan to XXXX XXXX  and finally the XXXX XXXX XXXX XXXX never received such loans that would ve closed all accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I first contacted Lakeview Loan Servicing Customer Service on XX/XX/2020 to discuss the process of how to go about having PMI removed from my mortgage as I have made home improvements to  my property and there has been significant appreciation in the local market area. I was on the phone for more than an hour being shifted around to different departments as no-one could help me with the question. I was not able to have my question answered. 
I called back on XX/XX/XXXX with the same question and was circled through different departments again and put through the insurance department. The girl I spoke with was more helpful, but not too sure of the process so put me on hold quite a bit too get the information I was seeking. She said she would send my request to the proper department and flag it as urgent as I had already called 5 days prior with no resolution. The timeline for a response would be a few days from the department with the urgency flag. I was to receive a list of requirements for the PMI removal which would be a list of approved vendors in my local area for an appraisal on my property or I could provide a list of the home improvements made with a broker 's report. 
I did not receive a an email or anything in the mail from Lakeview Loan Servicing regarding my request. 
Thus, I sent an email on XX/XX/XXXX to customer service on the website in which I received a ticket number back to my personal email for the same request although it said to not send duplicate requests. I believed I would hear back from the support team since their was a written ticket instead of phone support calls. 
I did not hear back. 
Hence, I sent another email on XX/XX/XXXX to customer service on the website in which I received a ticket number back to my personal email for the same request. 

As this is the fourth attempt, and I have not received any instructions or received any customer support, I am concerned that the mortgage lender is not abiding my rights of the federal Homeowners Protection Act. I have the right to request the instructions of how to cancel PMI  and they are not allowing me this option by not responding. 

Next, I am concernced if and when I receive these instructions, will this lender work with me in the removal? Or continue to be non-respondent. 

Thank you, 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 2019-08-29
Company: Jacob Law Group, PLLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a debt with XXXX. They close this debt in 2017. I haven't had any type of communication or notices about this debt until all of a sudden my wages had been garnished by Jacob Law Group based in XXXX Mississippi. They were very rude and unprofessional. I called to talk to them and they had very foul attitudes. They got snappy with me for asking questions. Even abruptly hanging up on me. I called back to complain about how I was treated during that call, again the same thing, foul attitude and abruptly hung up from me. I wanted to know which court they filed their claim with and why I was not notified about this beforehand. I had no idea what happened with my money until I looked at my pay stub deductions. There is where I saw the name Jacob Law Group. I XXXX this business to get a number to contact them which only delivered snappy remarks. I still have no idea where this was all done nor why I have nothing in writing on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Experian is currently reporting on my credit report an account from XXXX XXXX. This account is for XXXX XXXX in the amount of XXXX dollars. This file is incomplete and inaccurate. The account did not arise from a written contract between myself or any of the above mentioned parties.

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 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Multiple credit inquires have been conducted without my knowledge and consent.

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 2018-09-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I did apply for credit card at Wal-Mart XXXX weeks ago, the card was approved and never received it in my mailbox as promised by store representative. I lost the receipt to show that the credit card has been approved from Wal-Mart. Any help for me to get the credit card would be appreciated. Thanks

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