BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Received a call from this debt that is more then 20 years old. I have received multiple calls. I did n't get a chance to get more information on the debt before he started throwing out repayment options. I 'm sharing to let people know that they need to voice their rights. Tell them you will be contacting the consumer finance department.

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 2022-06-16
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a US Veteran with a Service Connected Disability and a VICTIM of Fraud Since XXXX! This was Reported on XXXX But Predates to XXXX. There has been Several ONGOING Legal Issues which have NOT Resolved since XXXX Including 100 % Loss of all Financial Assets. 
Many XXXX Related Including Health Care Issues from Hospitalization. 
XX/XX/XXXX Account Balance {$130.00} By Unknown XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX And XX/XX/XXXX Account Balance {$130.00} Credtor Name ( XXXX XXXX XXXX ) THESE ARE NOT MY ACCOUNTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Sent a factual dispute to bureau, they sent a letter back stating account was updated but was their was no updated information. My FCRA rights were violated because the data furnisher is to report all the same information to credit bureaus and there are inaccuracies across all three.

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 2021-01-28
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As we continue to validate this debt with AWA COLLECTIONS.they have forward me a contract of validation without properly showing validation of Driver License, nor submitted to the legal Signature that matches the Driver license. Anyone can produce the names on this contract. Ive notice that there is 2 unknown people on contract explaining that they are excluded but then are designated driver on another page .. I am not familiar with these names or is affiliated in any term.

Under the FCRA law Ive asked AWA COLLECTION to validate payment proof of history records. Identification picture and social security copy as when signing up for any insurance they asked for 2 valid proof of identifications. AWA Collections have still not provided genuine validation of this debt and I still have no acknowledgment of this contract and still is a mystery AWA COLLECTION is eager to get some sort of settlement. 

AWA Collections FCRA is a law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Oklahoma Student Loan Authority
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: Account information incorrect

Complaint:
I received an email from my university XXXX  on Tuesday, XX/XX/2021 at XXXX XXXX  notifying me about a student loan disbursement and that I could cancel it " no later than 14 days from the date of this email ''. I emailed my university XXXX  on Friday, XX/XX/2021 at XXXX XXXX  requesting that the loan be canceled. The university bursar notified me that the loan was canceled. I have contacted Oklahoma Student Loan Authority on two different occasions via phone and have submitted 3 disputes via XXXX. The issue still has not been resolved after 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a credit card ( ending in XXXX ) with Penfed Credit Union on XX/XX/XXXX, I was using this card for over two years without any problem. All of sudden, they closed my card without a notice until my transaction got declined when I was trying to pay at a gas station with this card a few days ago. Then I logged onto my account, the card disappeared on the page. I also check my credit report, it shows that the card XX/XX/XXXX. I contacted their customer service to reopen the card, they did not give me any explanation and said they can not reopen a closed card, I can only go to apply a new card, then I submit an application, it got denied. I have never requested to close the card. And this is the SECOND time that they closed my account without notice!

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 2016-03-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
We are XXXX citizens, and my husband made a payment and by mistake he over paid Them by over XXXX dollars. We have contacted them on several occasions asking them to please cut us a check we need that money returned and have been told that they ca n't they have so follow guidelines and we have to wait a month or more to get it back. Mean while they are collecting interest on our money and we are short money on our end. That seems very unfair. If we would n't pay them we would have to pay them a penalty. Is that rule reversed if that pertains to them withholding our money? Please look into this for us we really need that money back Thank your, XXXX and 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 2022-02-21
Company: Frontline Asset Strategies, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, the consumer and original creditor in fact, are aware of your fraudulent and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, the applicant, initiated a Consumer Credit Transaction using my Credit Card 15 USC 1601 ( 1 ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), but the consumer which is myself never benefited. 
Let 's be clear, as a consumer, I am federally protected under the Fair Debt Collection Practices Act Title 15 Chapter 41. and it's saddening to know Frontline Asset Strategies , LLC takes pride in violating basic consumer rights. This company is harassing me for an alleged debt and ruining my reputation as a consumer. I am demanding XXXX from Frontline Strategies Asset for each violation of my consumer rights. Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions Inc.
State: TN
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:
credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be delete these companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable.

Experian refuses to reflect changes that have been made instead they send generic response about a 3rd party disputing on my behalf. ( I am not 3rd party ) Experian REPEATEDLY ignores requests from companies which make it impossible to get corrections handled without threatening to file a complaint and this is even after presenting documents. They take months to respond unless you are filing a complaint then they respond within 24 hours .This is very funny to me that it takes these steps to get a response deletions need to be as soon as possible because I have been disputing since last year to get this fix. These are harming my credit and the lack of action being taken is ridiculous. Please ensure that Experian follows suit and honor all documents for accuracy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: TD BANK US HOLDING COMPANY
State: FL
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:
On XX/XX/22 I sent TD Bank a document with original instrument stating accept for value return for settlement on the remittence slip that was sent to me by TD banks. I have not gotten a response yet nor any update on the remittence slip. I also contacted the CFO stating in the letter to validate this alleged debt with bookkeeping entries stating that they had the funds to disburse or have balance set to {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've been paying extra toward my monthly principal EVERY MONTH. Freedom Mortgage has not credited me the full amount of 'extra principal ' every month that I 've been paying of {$200.00} extra principal since XXXX XXXX, 2016. They have only been crediting {$150.00} instead of the full amount of {$200.00} of extra principal. My previous amount due every month was {$1300.00} and starting XXXX XXXX, 2016, Freedom Mortgage did a 'review ' of my escrow and determined that my payments should be lowered to {$1200.00}. I 've attached a statement from Freedom Mortgage dated XXXX XXXX, 2016 that reflects the monthly amount that is 'due ' as of XXXX XXXX, 2016 is {$1200.00}. XXXX Mortgage even acknowledged their receipt of {$1400.00} and that the amount due was {$1200.00} as evidence on the attached statement. Please have Freedom Mortgage credit me for XXXX, XXXX, XXXX, and XXXX 2016 ( and any months following that I 've paid ) for the extra principal amount that I 've paid of {$200.00} each month. Thank you in advance.

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 2020-01-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have dispute this account too many time and the information still the same, Experian for do not cooperate at all, 1 - LOAN # XXXX XXXX PAY OFF AND CLOSED 2 - LOAN # XXXX XXXX - PAY OFF AND CLOSED 3- LOAN # XXXX -XXXX  -PAY OFF AND CLOSED

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 2022-02-21
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company sent my account to collections affecting my credit worthiness negatively. This account was being payed in monthly installments already. The balance showing in this statement is also a higher amount than what was owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo blocked my ATM card while I am here in XXXX. They said that I have to go into a Wells Fargo branch to resolve the issue. There is no Wells Fargo branches here in XXXX. This happened around XX/XX/XXXX. They said that I have to call, which when I was able to many many times, my phone kept cutting out on me right when I was able to have them set up getting me a new ATM card, which they said they would overnight to me via XXXX but never did. I have been out of money since that time except of a XXXX XXXX transfer which took 6 days to arrive, I have gone into debt with many people just borrowing their phones and eating food and I even had to go into the woods to get food almost every day. Then they stopped answering my emails after many many pleadings to send me my money some other way or overnight a new ATM bank card which they never did. I am almost with an expired XX/XX/XXXX, and I owe a lot of people a lot of money. They never took my situation serious and I suffered and still suffering until this day which is XX/XX/XXXX. 
They said they will XXXX a new card but I have to wait another 2 to 3 days which puts me past my XX/XX/XXXXstay thus causing further debt to me. I have my rental office extremely upset at me, my family back home is extremely upset with me, I am a XXXX XXXX diagnosised with XXXX, XXXX  and unemployable. This has not helped one bit. Wells Fargo has no emergency procedures and they insist on phone conversations instead of a so-called 'Secured ' email service. What's the point of that if they don't honor my requests that way? 
I am still without money and many people upset with me because Wells Fargo dropped the ball on me and left me essentially to suffer and die here because they blocked my ATM and did not make provisions to IMMEDIATELY send me a new card.

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 2017-07-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have contacted fedloan multiple times this year requesting documentation of dates and amounts of interest added to my loan since it began. I noticed earlier this year that my amount due had jumped significantly but there is no record of the exact amount added to each loan, when and why. They basically keep telling me to look in my online account even though I keep telling them, the information I am requesting is not available there. It is crazy to me that I have been unable to see an accounting of my loan since it 's origin. Please help. I contacted them in regards to this on XXXX, XXXX, XXXX, XXXX andXX/XX/XXXX and they have still failed to provide documentation of my loan. I have attached a copy of the XX/XX/XXXX andXX/XX/XXXX statements that are available to me online so you can see that my balance jumped by {$910.00} with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: OH
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-06-16
Company: CBC Companies, 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: Account status incorrect

Complaint:
The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion reported a credit card charge of {$5000.00}. I tried to get a credit report and tried to file a dispute on XXXX. Was not able to get the credit report or file a complaint. 
The {$5000.00} charge was a line of credit which was paid off in less than 3 weeks but TransUnion continues to carry an incorrect balance. 
Balance is 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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 did apply for a Morgage forbearance do to a delicate Health condition of my wife than they do explain to me over the phone that the amount own will be place at the end of the morgage adding another 6 month.

They never told me that I have to pay it at the end of the 6 month in full.

For my surprise they do call me at the mid fifth month telling me that if I do not pay immediately they will place my home in Foreclosure so I went ahead and make the full payment but they adding me a late payments for 6 consecutive month for more than 120 days destroying my credit report and I didnt give autorizacin to any company to share my personal information.

In accordance with the FCRA THIS ACCOUNT HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A State I have the right to privacy.

15 U.S.C 1681 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I performed threefinancial transactions using an application provided by PNC Bank usingmy checking account ending with x XXXX. Thethreetransactions totalling to {$2400.00} are : {$100.00} dated XX/XX/XXXX {$1200.00} dated XX/XX/XXXX {$1100.00} dated XX/XX/XXXX 2. These payments weretowards rent ( {$1100.00} from From XXXX XXXX to XXXX XXXX, XXXX ) and security deposit ( {$1300.00} ) for renting of property # XXXX, XXXX XXXX XXXX, XXXX, HI XXXX. 3. It turned out that thereceipient did not send the key for theapartment as promised in theemailand contract ( XXXX is theemail used for bank payment and emailcorrespondence was with XXXX XXXX and cell phone : XXXX ). 
4. The transaction did not reach aclosureand it turned out to beafraudulent transaction. 5. XXXX County Policecasereference number:XXXX. FTC Report number:XXXX IC3 FBI Complaint filed on XX/XX/XXXX. 
6. PNC Bank denied my dispute request to flag thetransactions as fraudulent but the PNC Bank denied my requests.

7. I earnestly request you to impress on the bank to reversethetransactions and credit my account with thesethreetransactions foratotal of {$2400.00}.

8. Submitted please. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing again in regards with the accounts listed below to inform you that I am the one disputing this. I believe I made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
EQUIFAX has been not complying with Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: MCMC Auto LTD
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a vehicle with MCMC Auto XXXX years ago and it was wrongfully reposessed. When I attempted to bring the matter to the attention of the company I was disregarded and told to dispute it with the credit bureaus. Each time I have disputed it, they corresponded stating it was valid. I attempted to contact them XXXX years later and they are still refusing to provide me with proof of past due payments. I called them today at XXXX spoke with XXXX and she stated that they still are unable to provide me with a copy of my contract, payment history and all written correspondence. At this time, I will just need these documents to correct their false information.

Company response to consumer: Closed with explanation