BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: ECMC GROUP, INC.
State: NJ
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:
I have Federal Student loans held by XXXX, which was supposed to be previously with XXXX XXXX. As we know, in the past, XXXX XXXX launched XXXX in XXXX, so that they may still be involved in the federal loan servicing business, while wearing a different identity. 

However, throughout the years, there have been no improvement, as we know that XXXX had gotten into a XXXX XXXX settlement agreement recently in order to settle litigation due to their unfair practices and predatory loans made out to students, including myself. 

XXXX also had a contract with the U.S. Department of Education, from which I had filled out an Inability to benefit form both to XXXX, and to the U.S. Dept. of Education in XXXX. It just so happens that when I discovered my Federal loans with Navient were transferred to ECMC, I had also gone out of my way to make sure ECMC was aware of my Inability to Benefit application, which I had sent out to them via U.S. Postal mail, via Certified mail and signature request. 

In a recent letter dated XX/XX/XXXX, ECMC had sent me a letter stating that loans made EDUCATIONAL CREDIT MANAGEMENT CORPORATION/ECMC will be assigning the loans to XXXX, who would then be servicing the loans on behalf of the Department. 
Please take note of the abusive practices of these companies. Not only are Student loan servicing companies such as XXXX XXXX chosen to create a separate identity to remain in the student loan market, it had been transferred to XXXX, and then XXXX to ECMC, and now ECMC onto XXXX, all which I havent ever authorized. 

None of these transfers hold any of my signatures or agreement in the matter. It is also interesting to observe these companies sweep These toxic issues under the rug, by looking away and pretending nothing ever happened. 

Also, XXXX had gotten me into a loan settlement offer, which I paid {$5000.00} to settle my student loans. It just so happens they made me pay this settlement offer in XXXX when they already knew they were being sued. Therefore, they also took all they could on their way out. 
I am requesting that my Federal student loans be cancelled due to the entire toxic loan and predatory lending practices I had fallen victim to, based on these companies playing games. 

I had never received a resolution or response on my inability to benefit form/application, and I made sure XXXX, the US. Dept of Education, and ECMC all had the same form, as I made sure they all received my complaint/application. I had given all parties sufficient and beyond reasonable time to ethically provide me with resolution in the matter.

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 2021-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a federally protected consumer XXXX has committed a breach of fiduciary duty as they are trustees, They have failed to perform a promise in benefitting me the consumer in the way I see fit. My application authorized XXXX to access my consumer credit per them running my credit. This is an adverse action as I received NO BENEFIT which is a violation of the Truth In Lending Act. A consumer credit transaction happen when my credit was ran. I received ZERO BENEFIT therefore this is a violation of 15 USC 1602 ( p ) which is states ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. My credit being ran and me not receiving my credit extended back to me is proof of fraudulent activity i will try to settle outside of federal court but will sue for damages and remedy as i am a federally protected consumer

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was going through my consumer report, and I have noticed multiple debts added onto my account without my knowledge. In pursuant to 15usc1681 ( 4 ) Transunion must exercise their grave responsibilities with fairness, impartiality, and respect for my privacy. In the end of XXXX, Transunion added 7 accounts with the name DEPT OF EDUCATIONXXXX with a balance of {$26000.00}. This is a violation of the fair credit reporting act and violation of congressional findings. This is a violation of my privacy, and I did not consent for the 7 accounts to be reported into my consumer report. This is impartial because Transunion does not see me as a consumer, they see me as a product where other 3rd party corporations and themselves can profit from my account and name. Transunion has no respect for fairness. This is limtiing my opportunity to use my credit for other services. In pursuant to 15usc1681 ( 1 ) unfair credit reporting undermines my confidence in the banking system since the banking system dependent on fairness and transparency which lessons the functioning of the banking system. I have named 2 violations from the fair credit reporting of the congressional findings and there are many more. I demand the 7 accounts to be removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17
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:
I have mailed in my police report and FTC affidavit 2 times to Experian on fraudulent accounts reported on my credit report by XXXX XXXX XXXX XXXX and Experian has refused to block these fraudulent accounts. 

I received 2 letters from Experian stating I have filed these disputes with knowledge that these accounts are mine or the disputes were made in error and that the have validation that these accounts as mine? 

NO proof has ever been mailed nor have I ever even been contacted by XXXX XXXX. I never even knew about these accounts until I checked my Experian credit report. I will be filing a separate complaint on the the data furnisher as well. 

Under FACTA law- Experian is supposed to block these accounts upon receiving my police report and FTC affidavit. They have violated this twice. The other 2 credit reporting agencies have already deleted these accounts but Experian has refused both times. These fraudulent accounts are updating false information monthly and ruining my credit. Experian allowing this to happen this is an unfair business act!

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 2023-06-04
Company: Linebarger Goggan Blair & Sampson LLP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Received a letter from attorney with po box in California, but send payment to po box in Texas. For a XXXXyr old adjudicated court case. The letter wanted a large sum of money or actions will be taken against me. The usual ones, garnishment and levies..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Compliant involves TD Bank On Thur. XXXX XX/XX/2022, I received an unsolicited new account from TD Bank. I tried to call them to correct the issue, only to be held on line for more than 2 hours to discuss an issue with the fraud line. I was informed that my identity had been stolen and provided information to protect my identity. Today, I received another check account from TD bank with an entirely new account number. After the first account I froze all my credit reports. notified all creditors and followed all steps from the FTC fraud check list. I contacted TD Bank again-whom makes contacting them in the first place exceedingly and malignantly problematic, after an 1 hour waiting on hold I talked with " XXXX '' whom would not provide any other identifying information like an operator ID number to identify herself whom told me that the account was now blocked but would not provide any assistance. I asked that she flag my name and address in TD bank to prevent this, she refused. I asked her to check to see if any other accounts with my name/social or address had recently been opened she refused. I asked to speak to a supervisor, she refused. She advised me there was nothing I could do with TD bank to protect my identity. 

I am seeking recourse in the form of some documentation from TD bank that my identity is being actively protected by them as they are the only bank I am having issues with. I also am concerned that they will allow a person to open an account without having that person provide basic documents to ensure ID of new account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: TX
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:
I have a fraudulent account on my credit report that need to be removed XXXX - Card Service XXXX XXXX date opened. I sent in a letter for deletion about this account and no response from Equifax. Next my other concern is inaccurate reporting too Equifax, XXXX, and XXXX by XXXX XXXXXXXX XXXX and XXXX XXXX both accounts are reporting late payments on my account and I was never late I sent letter voicing my concerns and no response. So I'm here trying to get the CFPB to help me resolve these issue 's because my rights as a consumer has been abused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My business account ending in XXXX has not been credited the {$390.00}. Deposit which was stuck in the ATM at the XXXX MA location Monday XXXX XX/XX/19 XXXX morning when making my business deposit. This occurred when the ATM froze, keeping the card, {$40.00} check and {$350.00} cash. I called and a claim number was given to me and was able to get my card back the same day. The next day it appeared the ATM was serviced and everything was found. This after calling the customer service number and they called the branch and verified all of the money and the check was found and verified! I have not however received the {$390.00} back in my account today and is now causing issues with my accountant and a customer who paid a deposit for an item we cant order till the check is deposited and clears! The other day I was hung up on by an employee named XXXX from the call center after being told by the branch to call there about the missing money. The bank is outright refusing to give me my funds that they verified the day after they were stuck in the machine! Please help me get the money that is reghtfully mine that they will not give me! Thank you! XXXX XXXX - President/CEO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 non-monetary relief
Consumer complaint received 2019-08-29
Company: ALLY FINANCIAL INC.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I want to file a complaint against Ally Online bank because they're not removing or giving me the opportunity to make monthly payments on a debt that was brought up by scam. About XX/XX/2019, I was trying to apply for a job on the XXXX  website and I applied for XXXX XXXX. I didn't realize that it was a scam because it came from the XXXX  website itself. A person named XXXX XXXX from XXXX contacted me and stated that prior to employment, I would have to do a couple things for them. They sent me 3 checks that they told me I had to cash. In addition, this person told me to buy a couple things for them such as an XXXX gift card to help with humanitarian aid. I bought it and then they asked me to send them the code and then to purchase an XXXX gift card but I thought that sounded a bit peculiar, so I didn't proceed. By this time, my bank Ally Online and their Fraud Department, took the money that was sent to me and put my account under a negative status of $ XXXX. Ally 's Fraud Department called me and said that I was scammed. I was later sent a letter stating that if I didn't pay it all in 30-days, I would be put on XXXX. I called Ally today, XX/XX/2019, and they said that I was the one responsible for paying all of it off. I asked Ally, since I'm the one who has to pay it, if I was able to make monthly payments, so they would not send me to XXXX. However, they said that I could make payments but they would still send me to XXXX. I feel this is an injustice and unprofessional because I am a victim of fraud/scam and are willing to take care of my balance but would like a monthly payment plan and to not be sent to XXXX. I would like some assistance with this matter. I am XXXX  years of age looking for work to help my parents at home. My family is very ill, and I feel this is the reason I was taken advantage of. Please assist me in any way possible with the Bank. I do not want my record to be damaged by this incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
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. XXXX  Account # 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 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. 

There should only be 2 inquiries on my Experian and XXXX reports. If you take a look at my XXXX report, you will see there are 2 inquiries which is accurate.

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 2018-04-27
Company: EQUIFAX, INC.
State: IN
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:
XXXX reports a past due account as follows : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$180.00} Date Updated : XX/XX/XXXX Original Amount : {$180.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : > I have reported to XXXX that I do not recognize this firm, account, or amount at all and that it must be mistaken or fraudulen.I have never been contacted by this firm to my knowledge. XXXX has declined to take any action or even to acknowledge my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX 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 response to consumer: Closed with explanation