BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: ECMC GROUP, INC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a letter from my employer today stating that an order for wage garnishments has been processed for a defaulted student loan through ECMC. This was a great surprise because the last time I spoke with a representative from this company was on  XXXX / XXXX / 17  when I made a request to be communicated with in writing/by mail about a resolution for this matter. I have kept a record of letters I have sent and received in an attempt to get this debt validated and to request a payment plan if this debt belongs to  me. ECMC was not willing to work with me, the debt they claim is mine has not been fully validated and they have yet to provide me with a promissory note. I was not given proper notice that this process was even happening, yet   in one to two pay periods they are demanding that my first employer in almost two years garnish 15 % of my wages after only being employed for three months. I was never notified of the issuance of this order and the law requires a thirty day notice from what I read in a letter from my employer. Not only that but I was not given an opportunity to contest the withholdings, nor was I informed of my rights in regards to the wage garnishment process. I was not given a n opportunity to make any arrangements so that this order could be avoided.

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 2022-12-08
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
At the Key ATM, I deposited {$80.00} in cash. I received an error message. I was not posted to my acct. They gave me an XXXX number to call and file a complaint. I won't get my money back for 7-10 business days. I NEED THAT MONEY NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/22 I sent Caine & Weiner a validation of debt letter because I noticed the account on my credit report for {$500.00}. XXXX shows this account as a COLLECTION and XXXX shows this account as OPEN, INACCURATE INFORMATION. In the debt validation request a CEASE AND DESIST was placed on the collection of this alleged debt during the validation period in which I ask for 30 days to review the documents they were to send me. I received a response XX/XX/22 the letter was dated XX/XX/22. Not only did they NOT send the documents I requested THEY ALSO ATTEMPTED TO COLLECT on this alleged debt which VIOLATED THE CEASE AND DESIST ORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
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:
furnished information without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX   XXXX  obtained a judgement for a credit card debt and placed a lien on my house. The debt and judgement was included in my Chapter  XXXX  bankruptcy that was  discharged but the  lender refuses to remove the lien from my house until the debt is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made 3 transactions on XX/XX/XXXX, XXXX XXXX XXXXXXXX, {$810.00}, XXXX XXXX XXXX Same item and ammount for the 3 transactions. 
The purchase was made on the store but due the big size of the boxes I requested to have this shipped to my home. 
The seller never sent the items, also never provided a tracking number or shipment information. I tried to contact the merchant several times but they never answer. 
Must be delivered on or before XX/XX/XXXX, first contact with them was on the same day, XX/XX/XXXX, and the last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
According to The Fair credit Reporting Act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802 No financial institution is not suppose to share my information to share my information to third party people. 

These are clear violations of my federally protected consumer rights. Also i was looking over my credit report some address and some inquiries appear on my credit report that are inaccurate. Incorrrect names too.

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 2022-07-31
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/22. Me and XXXX got paid and the founds were deposited inti our XXXX XXXX joint account in XXXX, that afternoon all the money were from our saving account ( XXXX ) and XXXX from our checking account because of a credit card balance judgement on me only ( not my XXXX ). Under XXXX laws the joint account between XXXX and XXXX is protected from garnishement. But the bank XXXX XXXX still processed the transaction illegally even after speaking with their legal department on XX/XX/22 twice, they were very rude and did not care about the law nor my situation. So we were left with only XXXX dollars on our account, we have XXXX kids and now we cant even survive. This was illegal!! Please note that the judgement is only on my name and it said that the send the paper work for the court to an old adress that I have nt live there in years. This whole process is illegal and XXXX XXXX bank did not care about the law!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I requested a Macy 's Credit card on XX/XX/22 at the Macy 's located at XXXX XXXX XXXX XXXX, PA XXXX. The sales woman asked for my information and did not ask to pull my credit but she did it anyways without permission when she told me to enter my social on the electronic pin pad and to enter my salary and then asked me to sign on the pin pad which I used my beneficiary signature even though I was forced to sign electronically instead of being allowed to do business using physical paperwork. I was then told that I was denied for the Credit card and that I would receive something in the mail in a few days about the denial infront everyone present at check out. I was humiliated. On XX/XX/22 I called Macys XXXX XXXX XXXX and spoke to XXXX who informed me that I was denied for not having enough credit history and then put XXXX her supervisor on the phone who also stated I got denied due to not having enough credit. I informed them on the TILA and also Title 15 1611and 12 CFR Part 1002 Regulation B and they said it was the automated system. On XX/XX/22 I called the Macy 's reconsideration line to speak to a live person and get them to review the request. I spoke on the reconsideration line asking that my request be reconsidered since I was denied by the automated system. He said of course and took my information and then told me that no I could not be considered eligible due to me not having enough credit and that the Macys credit card is not for beginners and that I needed to have credit history before applying. I informed of the laws in this consumer transaction and I was told that they do not apply here and are not backed by anything. In this consumer credit transaction my credit was pulled without disclosure, I had no disclosure at all, this faults and misleading denial of my own credit because I wanted to access a portion of my unlimited credit .I was discriminated against by them using a credit report against me and without my permission stating misleading information when I'm credit worthy and I have unlimited credit XXXX am aware that they've taken my Social Security number and electronic signature and in doing so have already been paid and they still denied me and discriminated against me.

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 2022-12-08
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my federal student loans with XXXX, who sent my loans to the processor, Mohela. In addition to making my monthly required payments, I have started making additional payments each month in order to attempt to pay off my exorbitant student loans ( which started at just over {$240000.00} ). Until last week, I had been able to apply my additional payments to principal. The lender is now trying to make it harder to pay off my student loan by rejecting my payment instructions and stating that all payments need to go to interest first, even discretionary extra payments. These sorts of unfair practices to make it more difficult to pay off student loans are the exact types of practices the CFPB has come out against : https : //www.consumerfinance.gov/about-us/blog/you-have-right-pay-your-student-loan-fast-you-can-without-penalty/. I have contacted my lender, but they have refused to change their new policy and honor my payment instructions. Below is the email I received from Mohela : Dear XXXX Member, We are writing to inform you of an update related to your payment instructions at MOHELA. Per your Loan Agreement, payments will be applied to accrued interest to the date the payment is received prior to your payment being applied to principal. Your payment instructions are not consistent with this requirement ; therefore, we will need to amend those instructions going forward. Effective immediately, payments will be applied to satisfy accrued interest prior to being applied to principal. 

For additional information or any questions, please contact a Specialty Servicing Specialist at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i was in the hosipal due to a XXXX XXXX XXXX XXXX and going back in for XXXX they would not help deferr payments they said a XXXX was not hardship then what is wells fargo

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 2022-07-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have got a new active cash card from Wells Fargo. I called a customer service representative to inquire if I had spent enough to get the opening bonus andand was told that I had completed the {$1000.00} spend for the {$200.00} bonus and I just had to wait. At this point I had more time to finish the spending but I stopped because they confirmed. 

However now I call back and was super rudely told that I only spent {$980.00} and was not eligible. Even though customer service told me that I was, they are now refusing to give me the bonus. This is the most horrific customer service experience I have ever had. I spent more money keeping in mind that I would get the rebate and they are refusing now.

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 2022-06-09
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX and XXXX XXXXXXXX Acct # XXXX and 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I extended credit to Discover financial services for the amount of {$200.00}. After the account became XXXX the negative, I settled the debt without being notified of my right to dispute. According to the FCRA I HAVE THE RIGHT TO DISPUTE any and all information on my credit file. Section 623 ( e ) prohibits information furnished from providing information to a CRA that they know or a reasonable cause to believe is inaccurate. Upon looking at my credit file, how can a third party debt collector radius global solutions verify any information due to the fact we never entered into a contract together. Attached you will see all the inaccuracies that are being reported on my file. The date last active are showing two different dates and the date of last payment are showing two different dates. Under payment status it shows unknown on one and the other it shows collection/chargeroff. Also, the last reported dates are different. Now, they have violated me several times under the FCRA ( 15 USC 1681, 1681e, and 1692g. I will be forced to file a law suit and contact my Attorney GeneraXXXX XXXX and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Professional Accounts Service, Inc. (Indiana)
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I RECEIVED A UNSOLICITED CALL FROM A UNKNOWN XXXX COMPANY ABOUT CREDIT SCORE PROBLEMS. I DO NOT REQUEST THEIR SERVICES AND I WAS RUDELY THREATHEN BY THE CUSTOMER SERVICE PERSON WHEN I DID NOT PROVIDE ANY INFORMATION AND ASK MORE ABOUT WHY AND HOW THEY CONTACTED ME. THE NUMBER OF THIS COMPANY IS XXXX XXXX XXXX. THE REFUSED TO PROVIDE ANY INFORMATION ON HOW OR WHY I WAS CONTACTED AND HANG WHEN I REQUESTED A SUPERVISOR

Company response to consumer: Untimely response
Consumer complaint received 2022-07-31
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting 100 % accurate. 

XXXX. XXXX XXXX Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.

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 2022-07-31
Company: EQUIFAX, 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:
On XXXX XXXX, I submitted a credit dispute to Equifax for XXXX XXXX XXXX XXXX XXXX, account number XXXX and received a notice on My Equifax stating the dispute was completed. After trying to access the report online for XXXX days with no success, I decided to contact Equifax by phone on XX/XX/2022. The representative stated the information was verified as accurate by XXXX XXXX XXXX XXXX XXXX. I explained to the representative that the last date of payment was incorrect, and the account is more than XXXX years old. The representative stated that the information can remain on my credit for XXXX years, according to the retention policy and my credit report has been update with the correct information. I explained to the representative this specific account ( XXXX XXXX ) has been removed from my XXXX and my XXXX credit report because it is more than XXXX years old, the date of last payment reflects an earlier date, and I reviewed my credit report the information was not updated. The XXXX XXXX XXXX shows the same as before. The representative only reiterated that same information as before. 

The XXXX XXXX XXXX ( account number XXXX ) information on my Equifax credit report is being inaccurately reported. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions 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:
furnished information without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting 100 % accurate. 

1. XXXX XXXX, Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.

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 2022-09-27
Company: NAVY FEDERAL CREDIT UNION
State: WV
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:
XX/XX/22 - Purchased food from XXXX XXXX for {$99.00} XX/XX/22 - Duplicate charges shown on card for {$99.00} XX/XX/22 - Called Navy Federal Credit Union to dispute duplicate charge XX/XX/22 - Messaged & called merchant and they provided screen grab only showing XXXX charge on their account- the issue is on the Navy Federal Credit Union side XX/XX/22 - Called Navy Federal Credit Union again to resolve the issue but they advised to wait while their dispute department reviewed the claim XX/XX/22 - Visited Merchant in person to cancel the charge completely on the Navy Federal Card and paid with my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX Called Navy Federal and messaged copies of the cancelled item and confirmation receipt of different payment method XX/XX/22 - Called Navy Federal Credit Union again - will not issue a refund XX/XX/22 - Received message from Navy Federal that they are closing my claim since they show a credit of {$99.00} -- still outstanding charge of the duplicate charge for {$99.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation