BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Third complaint - Aargon continues to be non-responsive and obfuscating truth to pacify the XXXX. 

In response to complaint XXXX, Aargon stated over a month ago .... 

" Our office is contacting our client to obtain further information to respond to the consumer directly with to verify the debt, inquire about insurance and whether the account had previously been disputed. This information will be sent the consumer within 30 days or the account will be closed, deleted and returned to our client. " The unvalidated debt still remains on my credit report as of XX/XX/19 and absolutely no correspondence has been received. There is no debt validation. 

In addition, Aargon claimed to XXXX in writing that they sent me some letter on XX/XX/XXXX notifiying me of debt and rights, but it was never received and they refuse to send me a copy, in violation of the Fair Credit Reporting Act. 

The continue to knowinlgyl violation of the law and write obfuscating comments to the CFSB.

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 2019-06-12
Company: BMW Financial Services NA, LLC
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: Account information incorrect

Complaint:
To Whom It May Concern, I Leased a vehicle ( Acct # XXXX ) through BMW Financial Services. I paid my entire lease for 36 months and at the end of my lease I recieved a Excess Wear & Tear bill for {$1700.00} and a additional charge of {$300.00} for supposedly dropping off the car a week late ( Which i didn't ). I called BMW Financial Services and they contacted the dealer and they verified that the car was dropped off at the correct time and was never late. BMW Financial had realized they had made an error on this bill and removed the erroneous charge and I paid the bill in full right there on the spot {$1700.00} on XX/XX/2019 ( proof of payment Attached ). It has since been over 2 months and they are still reporting to the all 3 credit bureaus that I have a balance of {$2.00}. I have filed a dispute with all 3 credit bureaus and BMW Financial Services responded to the credit Bureaus by saying the balance is correct and I owe {$2000.00}. I called BMW Financial Services End of term Lease dept and spoke with a supervisor by the named XXXX and all I got from XXXX is the run around. XXXX kept telling me that he sees a {$0.00} balance and doesn't know what else to tell me. So I then I asked XXXX If they can send me a letter in writing saying that I have a {$0.00} balance on the account and his response was no. I don't know what else to do. This is taking a tool on my credit report and my score went down due to this and its taking a tool on my life. Please help me. my number is XXXX and my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I've tried to get the credit bureaus to fix my personal information since a year ago, but they are not updating my personal information. I faxed, Called and Sent out letters, they still did not updating anything. Please help me out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XXXX XXXX Sunrise Credit Service , Inc has been harassing and demanding i pay a debt every day since then they have been calling me every morning or throughout my day. The last call i received was XX/XX/2021.

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 2019-06-12
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I opened this account, I submitted a request in writing to 1. be exempt from arbitration and 2. to not have the card overdraw. This account is used for small community group with limited resources. The account has been open a few years now and it was in good standing. The account even had a latent balance of anywhere from {$200.00} to {$500.00}. 

I last logged into the account on XX/XX/2019. In XXXX, I again logged into the account and much to my surprise, the account was severely overdrawn. After reviewing the account, I realized the visa debit card was overdrawing the account even though I requested that this not happen. Most of the transactions were less then the {$37.00} overdraft fee and as small as a {$5.00} transaction. As soon as I found out about the overdrawn status, I made two deposits to take care of the overdrawn amounts. However, the account still has a small balance as there was around few hundred dollars in fees. 

I would like the bank to reverse all fees charged to the account since I requested that there not be any overdraft fees upon opening the account. Also ensure the original request to not overdraft is honored. I would also like to avoid any collection costs or credit reporting. I would like to keep the account open and have another ACH direct deposit on the way this Friday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: BARCLAYS BANK DELAWARE
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX and XX/XX/2022 I ordered two beds, one was accidental Due to accidentally signing on as a XXXX customer. I contacted XXXX, returned the bed and was given a refund XX/XX/XXXX. On XX/XX/XXXX, an additional charge from XXXX was on my Barclays credit card statement. I contacted XXXX, thats when I found out I had XXXX different accounts, I was in touch with the supervisor who told me that they issued me a credit in error, so they charged me to reverse the credit. There is no credits on my statements outside of the one Ive already mentioned and from Barclays giving me provisional credits with the recharged me and all of that balances. XXXX referred me to my credit card Company Barclays Bank US again, since all charges were made through Barclays credit card and I filed another complaint. Although I have several letters from Barclays advising me The first two complaints, professional credits, resolutions and refills. the third complaint is the one That has not been resolved. The resolution letter is included that says the XX/XX/XXXX charge was refunded to me on XX/XX/XXXX. That is incorrect that refund was issued for the return of the 2nd bed purchased XX/XX/XXXX. 
When I look at my XXXX account, it shows I am owed a refund. I tried to call them about the refund nobody could help me despite it says to call them. Again I was referred to Barclays bank, I have been attempting to get this resolved since it all started in 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 2021-09-21
Company: EMCC Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My elderly parents ' " XXXX XXXX XXXX MasterCards '' were stolen from their assisted living apartment. I called MasterCard when I discovered this. I provided my parents ' social security numbers, and XXXX confirmed that the address on the account had been changed and that fraudulent charges had been made. MasterCard would not speak with me further without a written power of attorney ( POA ) in their possession or oral authorization from the primary account holder, my father. I explained that my father had just had a XXXX, was partially paralyzed, was on a heavy XXXX regimen, was on XXXX, and could not speak to them. Nonetheless, they refused to speak further with me or to cancel the cards or put a block on the account. Some days later, I faxed them the POA. They advised it would take 3-5 business days to process the POA. I called back 4 days later. They still were not willing to speak to me, saying the POA had not been processed yet, but would be at some time in the future. They still refused to send new cards, change the account number, or otherwise protect my parents ' interests.

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 2018-08-23
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018 I received a call from Midland Credit ManagemenXXXX ( MCM ) the man would not identify himself and was calling my cell phone and asked for a friend of mine who does not live with me. I told him that this was not the person who he was trying to locate and he called me a liar. He was very angry and told me I owed him lots of money and if I didn't agree to pay him he was going to come to my house and kick my XXXX and burn down my house. I became very scared, I called my friend whom the caller was trying to reach to let him know of the situation. He notified the police in the town he lives in just in case there was an issue. I also called the police dept in the area in XXXX XXXX that the business is located. They said they couldn't do anything. 
I have no affiliation with Midland Credit Management. All my debt is current and nothing is in collection status. 
I called MCM and reported the call but I'm pretty sure that they will do nothing to stop this practice. These people didn't speak very good English. I was given this address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I believe Wells Fargo is retaliating against me by withholding payment information to credit reporting bureaus for expressing my extreme displeasure with the company acquiring my mortgage, and active pursuit to change the law regarding how mortgage companies acquire mortgages and effectively force unwilling consumers to do business with a particular institution. 

In late XXXX/early XX/XX/XXXX I discovered my XXXX  credit score dropped basically overnight from approximately XXXX to XXXX. I have been in contact with XXXX  several times to determine why this occurred. As part of the process, XXXX  provided a detailed credit report. The report shows outstanding payment history on every account I have with one exception : Wells Fargo Home Mortgage. Wells Fargo acquired the mortgage in XX/XX/XXXX, with payments to begin XX/XX/XXXX. I immediately protested the method Wells Fargo acquired my mortgage since there is NO WAY I would ever voluntarily do ANY business with Wells Fargo, a company with a vast criminal history and a reputation of customer abuse so great a federal judge made it part of her ruling against the company. Despite my displeasure, I have made my mortgage payments on time every month, even with Wells Fargo 's attempts to make the process unnecessarily difficult. However, Wells Fargo 's report to XXXX  shows " Unknown '' payments for the months of XXXX, XXXX and XX/XX/XXXX. Payments for XXXX and XX/XX/XXXX appear as " OK ''. 

When I contacted Wells Fargo, the representative told me, " It can take up to 60 days after [ Wells Fargo ] acquire [ s ] the account before payment history starts being reported. '' This explanation defies the history of other mortgages I have had, which show a continuous, seamless transition from the time I entered into the mortgage and through transfers to other servicing companies. So apparently Wells Fargo is doing it correctly and the other companies are doing it wrong? I don't think so. Also, the representative 's explanation, if true, contradicts the facts. According to him, it can take 60 days, but considering Wells Fargo acquired the mortgage in XX/XX/XXXX and the XXXX report doesn't start reporting good payments until XX/XX/XXXX the 60-day window is exceeded ( 90-121 days total ). 

I believe Wells Fargo 's failure to accurately report my mortgage payment history is a thinly veiled attempt to retaliate against me for expressing displeasure with Wells Fargo acquiring my mortgage and my efforts to change federal law to prevent corrupt organizations like Wells Fargo from forcing consumers into financial relationships the consumers would never pursue on their own.

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 2018-08-23
Company: Signature Finance Company
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
My job has come to me about excessive calls from this company. They say the people that call ask for me but they always call at the wrong time because I work nights. So the people at the front desk try to transfer them to human resources and they immediately hang-up. I called to ask why they call my job and they say to inform me of my passed due account. I'm already aware of that from the many voicemails, emails, and letters in the mail. I let them know that I am doing the best I can but all they care about is forcing me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: NC
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:
I reached out and asked them to validate and verify that the account is mines but they couldnt give it to me because they dont have that information

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 2019-05-19
Company: FMA Alliance, Ltd.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my report, I noticed a collection account placed on my credit eport from FMA Alliance , Ltd. on XX/XX/2019 in the amount {$4400.00}. First and foremost, I have confirmed that the debt collector, FMA Alliance, Ltd is not license in the state of Louisiana to collect on this debt. Secondly, FMA Alliance , Ltd. violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to FMA Alliance , Ltd.? I have never heard of them, have no written contract with them and have never received any benefits from them, yet FMA Alliance , Ltd. has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Generated a loan w/ XXXX XXXX XXXX of XXXX XXXX GA XXXX Indicated to collector XXXX on numerous occasions my employer does not accept personal calls. Agent disregarded my company policy multiple times. Including phishing for personal information from my employer who then notified me. 
Beginning on Thursday XX/XX/18 Last call today XX/XX/18 in which my employer informed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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: Investigation took more than 30 days

Complaint:
There are inaccurate items reporting on my credit and I contacted these companies over 90 days ago about it and nothing has been resolved ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: AES/PHEAA
State: KY
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 been paying my student loans since XXXX and plan on applying for the public student loan forgiveness program. My payment counts are inaccurate after multiple attempts contacting fedloan servicing to fix the payment count. My loans were initially under XXXX in XXXX ( through XXXX XXXX   and consolidated ) and transferred to fedloan servicing in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: MI
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:
EQUIFAX will not allow me to access my consumer report at all, let alone with ease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Rosebud Economic Development Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I FILED A COMPLAINT WITH YOU AGAINST XXXX XXXX ON XX/XX/2018. THE COMPLAINT NUMBER IS XXXX. WITHING A WEEK, I RECEIVED A RESPONSE FROM YOU AND THE COMPANY, XXXX XXXX. XXXX XXXX SENT A LETTER ATTACHED TO THE RESPONSE THAT DUE TO THE FACT THEY HAD ISSUES WITH THEIR SYSTEM AND NO ONE COULD CONTACT THEM EITHER ONLINE OR PHONE, TO CONSIDER MY ACCOUNT SETTLED IN FULL. NOW THEY WANT A PAYMENT. I ASKED TO SPEAK TO SOMEONE IN THE XXXX XXXX   COMPLIANCE DEPARTMENT AND THE AGENT SAID SHE DID NOT HAVE A NUMBER FOR THAT DEPARTMENT. I NEED HELP. XXXX XXXX NUMBER IS XXXX. I STILL CAN NOT CONTACT ONLINE.

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