BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: ECMC GROUP, INC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
There was an executive order XX/XX/2021 to cease collection for student loans. ECMC executed a garnishment of my pay on XX/XX/2021. they also continued the garnishment on XX/XX/2021. ECMC did not notify me of this action at any time prior as required to enable me to make payment arrangements. I will in due course make arrangements when able and will attempt to settle the debt with reasonable terms. I reserve the right to have settlement made in any future forgiveness by the government. My school cancelled my curriculum so I was not able to finish and get a marketable degree. I am requesting a refund from the monies garnished this XX/XX/2021. The fax number to charter payroll is XXXX. XXXX XXXX Department. 


The address to XXXX is XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX. Phone # XXXX. I spoke with XXXX at ECMC. 

MY name is XXXX XXXX XXXX ss # XXXX. # XXXX XXXX XXXX XXXX XXXX, NY 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 2020-05-17
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: Information belongs to someone else

Complaint:
Someone use my identity to open several fraudulent accounts in my name I was not aware of any of these accounts I am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA 's. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-08-12
Company: ERC
State: MA
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:
There is this account on my XXXX credit report that I do not recognize, the account is showing that it is in collections, I have never had an account with this company called ENHANCED RECOVERY COMPANY, there is no phone number being reported and it says that the account was opened in XX/XX/2018, I have disputed this account with XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I want this company to provide me with the original contract that has my signature on it that proves that I opened this account and also to provide me with any type of agreement between me and this company that says I have an obligation to pay them. The FCRA says that a creditor must provide the consumer with original documentation bearing the signature that validates the account. I want the original contract bearing my signature, and if the original contract bearing my signature cant be provided I want this collection deleted from any of the credit reporting agencies that is being reported to. I wont accept any copies of statements or an itemized piece of paper for validation of this account because that is not enough to validate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Bridgecrest Acceptance Corporation
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Bridgecrest twice about their reporting a late payment for a vehicle of mine that was totalled XXXX XXXX XXXX XXXX XXXX and covered by their XXXX policy. The vehicle was totalled in XXXX of XXXX and I notified Bridgecrest within a week about the vehicle 's status and to start the XXXX insurance claim. A late payment was reported to the three Credit Reporting Agencies for XX/XX/XXXX despite the fact they were informed the vehicle was totalled and would be paid for by XXXX insurance.

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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
CRA is in violation of several consumer protection laws ...

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 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Score dropped 27 points in one day with no imput or usage on my part. 
History says Bankruptcies- I have never initiated or had a bankruptcy. 
History- * I only use 2 cards one with XXXX balance, the other is satisfied every month to XXXX. 
. * auto-Installment are used for all recurring charges, I only have 1 per month at this time for {$200.00}. 
* Monthly payments are paid in full as requested. 
* No auto loan at this time paid in full 2-3 months ago. 
* No new credit cards opened in 3years.

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 2021-10-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I dispute all charges after XX/XX/XXXX when I paid my balance off in full. Barclay 's has created a situation where I am unable to access, pay or review my account online or access a representative by calling. 
On XX/XX/XXXX2021 I paid off my entire balance ( {$2100.00} ) from the XX/XX/XXXX2021 bill that was due XX/XX/XXXX. 

In XXXX, Ireceivedan email saying my statement was ready and that my balance was {$23.00}. I expecteda {$0.00} balance, so I went to check the statement online and was locked out of my account. Since then, I have been trying to get through to customer service or into my account at least once a week. I have remained on hold for customer service for periods of time from 20 minutes up to 1.5 hours before needing to hang up so that I could return to work. 
Today, I started at XXXX, this time hoping to achieve a resolution by going through mastercard. The representative reached out to Barclays on her end, but said they wanted to speak to me live. She called me back with a live Barclay 's agent @ XXXX. The agent says I have a {$23.00} interest charge on the XXXX bill but is not explainingto me how I have interest on a {$0.00} balance. He continues to explain my current balance is now {$80.00} something dollars because of late fees since XXXX. I say that I dispute these charges and ask him to waive the fees. I am told that he can't waive any fees until security unlocks my account, I'm then put back into thequeue that no one has answered for the last 2 months. 
I'm left on hold for an hour, causing me to miss several work calls and finally having to hang up at XXXX without anyone ever getting on the line because I had a work meeting. 
The Barclay representative seemed well aware of how customers have not been able to get through and was even making jokes, wondering if anyone was working over there. 
I have not been provided with a statement of charges and their poor faith practices are putting my credit in jeopardy.

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 2019-08-12
Company: Experian Information Solutions 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:
For the past 4 years Ive been trying to fix my credit report. I have gone through 2 loan agencies and they have both told me that it appears my credit is frozen. Ive contacted all 3 credit bureaus. XXXX, XXXX and Experian. All three Ive called, sent my personal identification to request a unfreeze lift. All three have came back saying there are no reports of my frozen account. With this supposed freeze I can not do anything with my credit. Nothing can be pulled through various bureaus and the bank I use.

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 2018-09-28
Company: GreenSky, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I am engaging the CFPB to report that Greensky, XXXX XXXX XXXX, XXXX Ga XXXX is facilitating lines of credit to XXXX dba XXXX in XXXX XXXX, OK. In XX/XX/2018, I secured financing via Greensky for the installation of a new driveway. Unfortunately, the quality of work was not satisfactory. I financed {$12000.00}. 
I filed a dispute with Greensky on XX/XX/2018. The representative disclosed that they would be limited on the request for quality of work. However, XXXX at XXXX dba XXXX did have an individual complete some additional work. Unfortunately, this was not to standard as of to date the drive is chipping and the series of other problems can not be resolved unless the drive is torn up and new concrete is poured an properly finished. 
Greensky did follow up on XX/XX/18. However, there has been no additional efforts by XXXX for resolution. I am asking Greensky to evaluate their support to extend credit to a business who is taking advantage of individuals with sub-par work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was contacted by RS Clark and Associate about a debt that I paid in exchange for this being removed from my credit record. They never sent the document XX/XX/XXXX as promised and this is still on my credit report erroneously. An email was sent XX/XX/XXXX but I can not download it off XXXX website. There are no records only my bank payment to RS Clark which seem to no longer be in business. The account was # XXXX XX/XX/XXXX R S CLARK & ASSOCIATES XXXX TX XX/XX/XXXX for {$93.00}. 

Can you help me to get this off my credit record as per my agreement with RS Clark? I was never notified of this outstanding debt. Please assist. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi, My email and password was found on the blackweb and I have 19 data breaches dating from XXXX - XX/XX/XXXX. I have taken the appropriate measures to pay for credit monitoring services. In XXXX, a medical collection was added to my credit report that was inaccurate and unverifiable as it does not belong to me. After some research, I found out the original debt came from XXXX XXXX XXXX and was sold to Merchant Credit Guide Co. Unfortunately, XXXX XXXX XXXX was unable to give me any information about the debt over the phone and when I spoke to the records department because the debt head been sold. So, I started to dispute this information through the credit bureaus and Merchant Credit Guide Company by certified mail on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was only two responses received on XX/XX/XXXX stating, " Dear Customer, This notice is to confirm that we are in receipt of your request for validation of the above mentioned account. We will send your request for the documentation to the creditor. Upon a receipt, we will for it on to you. If we are unable to obtain the documentation a a timely manner, we will close the account, cease any further collection activity and return the account to the creditor Sincerely, Compliance Department Merchant 's Credit Guide Company - This communication is from a debt collector and is an attempt to collect a debt,. Any information obtained we will be used for that purpose. '' The last correspondence was to the debt validation letter which was received by Merchant Credit Guide on XX/XX/XXXX, which stated there was an XXXX XXXX XXXX on XX/XX/XXXX, with no signature of the individual who actually signed or filled out the the emergency form. I have called Merchant Credit Guide Company on a number of occasions and the phone either rings continuous or makes a high pitch beep sound. And I have explained to the collector in numerous certified letters that my email address and passwords had been compromised and that I did not create this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I have submitted a dispute to transunion on XXXX XXXX and have not received any information. The file is currently still under dispute.

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 2020-05-17
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: Account status incorrect

Complaint:
I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called XXXX XXXX XXXX to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the Military is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my miserable family? Please I need help.

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 2019-08-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXXXXXX XXXX XXXX , XXXX , XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 12 XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
An account for Citibank was opened through the website for a checking account. Terms and conditions have been met. Citibank has not refused to honor their website promotion and claims to have no knowledge of promotion code even though their promotion code was pre-filled on their website. Citibank has not declined to honor their promotion. I attempted to resolve issue with bank but they refused to honor their promotion. Promotion was for {$500.00} and they are only willing to pay {$300.00}.

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 monetary relief
Consumer complaint received 2020-11-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to have a security freeze lifted almost 3 weeks ago. The system told me they could not verify my identity even though I answered the correct answers. I spoke to a representative on XX/XX/XXXX who said my social security number didnt match my name. Which is XXXX! She said I had to mail my ID verification by mail. I called back XX/XX/XXXX she told me nothing again and that I had to mail my information AFTER I already told her I mailed it. They will not tell me what the XXXX is the problem. She said she will create a ticket. XX/XX/XXXX still no resolution. I called back & told the same XXXX thing. He said a social security number can only have 1 name to it. I told him my number DOES have ONE name .. I changed. my last name FIVE yrs ago due to my children are grown & I was divorced 28 yrs ago but I have not had any problems in that FIVE years with that and millions of people change their last name .. They are XXXX with me and my report and this is XXXX.. I see that my car loan is showing to my social but yet I cant get anyone to provide ME Access to my account ... I cant create an online account to view it because they have locked me out of my own XXXX information and NO ONE will help me. This is not the 1950 where it takes 2 months for this to clear up. They are suppose to be able to send me a verification code to my phone email SOMETHING!! You can not lock someone out of their own XXXX and offer NO HELP!! This is week THREE!! This is with Equifax

Company response to consumer: Closed with explanation