BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: NJ
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 Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX have violated my rights. To make things even worse, more than half of the accounts listed above were opened without my written consent. All accounts including ; but not limited to - # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX do NOT & have never belonged to me.In addition, after reviewing my full credit report on XXXX, all of the accounts listed above ( including the unrecognized accounts ) have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages. In accordance with the Fair Debt Collection Practices Act. Debt XXXXollectors are not allowed to communicate with me under 15 USC 1692C15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was sent a letter from ECMC Group where I was given the option to " request a hearing in front of a judge '', on supposed student loan debt of over {$70000.00}, or they would proceed to have what little monthly income I make garnished. Note that my original loan amount in XXXX was only for {$18000.00} and I had paid a lot of that back. I have been barely working part time over the last several years and even had a recent bankruptcy to save our meager home from being foreclosed. How is it possible that " maybe $ XXXX {$10000.00} '' has become over {$70000.00}! There 's no way I 'll ever be able to pay this. I 'm at the point where I 've even considered XXXX. I have applied for many, many, jobs over the last several years and the prospective employers ca n't confirm my XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA, where I graduated in XXXX. XXXX went out of business shortly after I attended. It 's like they never even existed! I think the perspective employers think I lying about going to school? The diploma is 100 % invalid. I 'm hoping to have the student load debt discharged. {$70000.00}? 
I was given a form from ECMC Group to fill out for a hearing in front of a judge. I had the option of emailing it back to them ( ECMC ), which I did promptly. I never heard anything back. Well, the only company that I get some work from notified me that my wages were being partially garnished by ECMC Group 2 1/2 months ago. WHAT HAPPENED TO MY REQUEST TO A HEARING? They defaulted on my hearing. 
Now, of coarse I 'm not working at all. The one company I had to put at least a little food on the table has n't called me in over a month. 
I have proof I emailed the request back to them. It did n't " bounce back ''. They got it and ignored it on purpose. 
They broke the rules and I think that alone should clear me of owing any more on this ridiculous fraudulent insanely overstated loan. Needless to say I 'm also unable to confirm I ever went to school. 
Note that in the form it has the option listed that I can email the form to them. 

See attached proof I sent the email. 

Thank you for your time in this matter, 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 monetary relief
Consumer complaint received 2022-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXXOn XX/XX/XXXX, I went to my nearby Bank of America ATM ( ATM ID : XXXX, Serial number : XXXX ) to make a cash payment for my credit card. I put my credit card and chose Make a Payment option and then I chose Cash payment. Atm asked me to put can, and I put the cash of amount {$660.00} into the atm machine and it starts counting. And as soon as counting finished the ATM shows me transaction cancelled and gave only around {$170.00} cash in return. After that no receipt from the atm was provided to me and I can not see any reported transation into my account statement. I was missing approx. {$480.00} which atm machine ate. I contacted bank of America on that same date of XXXX XX/XX/2021 and when I complained about it, bank s agent told me to wait for 10 days for this issue to be resolved. After waiting for 10 days I contacted them again and now they told me again to wait for 2 months. This is not what I expected from the bank.

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 2018-07-03
Company: Credit Karma, LLC
State: MD
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:
I made a dispute with credit karma regarding XXXX XXXX, a third party creditor that is reporting incorrect information and also with XXXX XXXX XXXX that is being reported as included in bankruptcy. 



This claim was made in XX/XX/XXXX, since this time XXXX XXXX has been under investigation with XXXX XXXX for over 3 months and then today, XX/XX/XXXX received response that the information is accurate. This is totally false and hindering my credit. I provided a ledger from XXXX XXXX Hospital to XXXX XXXX showing I did not owe any money to this 3rd party creditor, ( XXXX XXXX ). This information is being inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Social Finance, Inc.
State: CA
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:
I requested a Credit balance refund check that was never received by mail. First time I requested it was in XXXX. My transaction history shows a refund on XX/XX/22 as 'Credit balance refund {$2000.00} '. However, I never received the check in mail and reach out to customer service. They verified my mailing address is correct. According to my transaction history the first refund was reversed and shows a refund on XX/XX/22 'Credit balance refund {$2000.00} '. However, I never received the check after three weeks passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My wife and I had our personal data exposed by the credit reporting agency Equifax. As a result we can never be sure that our personal data wo n't be used against us, or to fraudulently obtain credit in our name or to access and steal our financial information and assets. 

In addition, Equifax apparently knew about the data breach for at least a month before revealing this to those of us who 'd been hacked. That was a month that could have been used to change passwords and logins, and otherwise protect ourselves. Instead it was a month used by the hackers to burrow further into our personal data and use it for gain and to harm us. 

Finally, when they did announce the breach they did a inadequate and poorly coordinated job of setting up yet another unsecure link to check if we 'd been hacked and then did n't allow us to IMMEDIATELY sign up for credit protection - only announcing a future date when we could.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Bridgecrest Acceptance Corporation
State: NY
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Atlantic Recovery Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Atlantic Recovery Solutions has been contacting me multiple times both at work and my cell phone through calls and text. On XX/XX/XXXX, I spoke with a representative and told them that they may NOT contact me until I have something sent via mail verifying the debt and that they own it. They agreed and get I receive a text on XX/XX/XXXX in which I reply with the same information and add that they may also not contact me by phone text or at work. Minutes later I receive another call from them despite the second request. I remind them that this is a violation of the FDCPA. The calls need to stop and they need to send the verification information ONLY in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: ENOVA INTERNATIONAL, INC.
State: UT
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 contacted the creditor " NetCredit '' on XX/XX/XXXX, to ask them to please contact the credit bureaus to have my account balance reflect the correct balance of Zero dollars, which NetCredit shows as paid in full back on XX/XX/XXXX. ( attached ). They informed me via email that they report to both XXXX and XXXX every month about my the repayment history, but to this day my credit report ( attached ) still shows {$140.00} outstanding balance ( line 012 ). It's been 12 months since I paid this account in full. Any help in getting this corrected would be appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account with USAA was hacked XX/XX/XXXX two times. One was a direct withdrawal for {$550.00} and the other was a wire transfer for {$470.00}. Both fraudulent charges were sent to XXXX a cryptocurrency platform. I immediately reported the fraud to my bank They are refusing to return the XXXX bc it was a wire. I dont care HOW the hacker stole my money. It was fraud, I also sent multiple emails to XXXX explaining what happened. I had recently set up an account with them and they said there was nothing they could do. They sent {$530.00} of my money to someone elses account!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: FIRST HORIZON BANK
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Iberiabank transitioned certain mortgages to First Horizon at the end of XXXX. The last communication sent to me was on XX/XX/XXXX indicating that the transition was delayed into early XXXX. No further information was provided by First Horizon either by e-mail or paper notice as to 1 ) where to setup the account 2 ) The new loan number post-transition 3 ) Date the transition was effective or 4 ) How to setup automatic recurring payments through their site. As a result, the only indication that I received that my loan was now being administered by First Horizon was that I had a hit on my credit report for a delinquent loan. I had to call the company and go through customer service to figure out what had happened. I had received no electronic or paper notification of interest owed or that my previous bank account was no longer being auto-drawn to pay interest. Customer service also indicated that they had incorrectly set the first payment due date to XXXX instead of XXXX. I have received no assurance from First Horizon that they would correct the credit reporting - only that they would " review '' it. First Horizon did not properly communicate to previous Iberiabank customers relevant information required to allow customers to effectively continue payment on their loans unabated and made no effort to contact customers prior to taking credit reporting actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on XXXX / XXXX / XXXX / XXXX / XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TD BANK US HOLDING COMPANY
State: WA
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 contacted Target Credit Reporting ( Servicer to TD Bank XXXX, XXXX. XXXX in writing by certified mail to ask for validation for a Target Store Credit Card that I do not recognize as mine. As allowed under FCRA, I requested a copy of any written agreement bearing my signature. They replied and did not provide any copy of my signature as required by FCRA. They have continued to report this account to my credit and they have violated my FCRA Section 623 by not updating the account to " disputed '' status on all 3 credit bureaus. The resulting violation and inaccurate reporting has caused me financial injury as I am being denied for a home loan due to XXXX XXXX XXXX refusing to validate this account as they are required by FCRA Section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: OK
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 have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Bread Financial 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:
Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COMENITYBANK/WAYFAIR XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: CA
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 Account # XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 2017-09-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Is CFPB or any other government agency planning to file suit against Equifax? If these credit monitoring companies including Equifax took ownership to collect all the critical and sensitive personal data ( PCI/SPI/CPNI/RPI ) they should accountable for the security breach. The following article shows how irresponsible Equifax is which not only needs tougher law and punishment but rather govt should shut down these agencies ASAP [ XXXX XXXX XXXX XXXX ]. These companies are just skimming money from the consumers and do not stand up to protect consumers privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: NC
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 to the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX Account XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX violated my rights XXXXXXXX XXXX XXXX  XXXX violated my rights XXXXXXXX XXXX XXXX XXXXXXXX violated rights XXXX XXXX Violated rights XXXX XXXXOriginal creditor : XXXX XXXX XXXX  XXXX rights violated XXXXXXXX  Hard Inquiry violated rights XXXX XXXX XXXX XXXX Credit Card Acct XXXX XXXXvioated my rights XXXXXXXX XXXX Violated rights XXXX rights violated XXXX XXXX -- Rights violated 15 U.S.C. 1681 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency ( s ) can not furnish an 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 2017-09-09
Company: Army and Air Force Exchange Service
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I defaulted on an AAFES credit card with a balance of {$6800.00}. The matter was turned over to XXXX for collection. ( I selected the items on this site that best described my issue but it was not an exact match ). XXXX first garnished my military XXXX for 6 months in XX/XX/XXXX. I can not find records of this. They then garnished my wages from my employer XXXX XXXX in XX/XX/XXXX through XX/XX/XXXX. I have evidence of this in my attachments. I started a new job in XX/XX/XXXX and in XX/XX/XXXX XXXX garnished my wages from XXXX XXXX XXXX and are still presently doing so. In XXXX of this year XXXX garnished my military XXXX once again and are now garnishing both my work wages and my XXXX, leaving me no disposable income. All my earnings go to obligations with very little exception. I am attaching the last statement I received from AAFES which shows just last month they collected {$830.00} from me. 
I have spoken with XXXX on several occasions and they will tell me nothing, simply refer me to AAFES. AAFES told me in XXXX of this year that they show no record of collections from me until XX/XX/XXXX. I am attaching summaries from XXXX that show a garnishment in XX/XX/XXXX and XX/XX/XXXX. AAFES only started sending me statements this year after I complained to them. The original billing from XX/XX/XXXX was for {$7900.00}. In XX/XX/XXXX, they stated my debt was then over {$13000.00}. In XX/XX/XXXX, the debt was still listed as over {$13000.00}. The statements finally started showing a decrease in the debt. I am not sure what I can do to prove all the garnishments but I hope I provide evidence of enough to show that XXXX collected a substantial amount from me without forwarding all they collected to AAFES. AAFES offered me no solace. i was told that they were a government agency and they could do what ever they want and they claim they gave me chance to negotiate. I did receive a notice of this but when I inquired they would not set up any payment agreement. Any assistance you can offer will be appreciated.

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 2022-06-19
Company: EQUIFAX, INC.
State: NC
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 to the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- Rights violated 15 U.S.C. 1681 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency ( s ) can not furnish an account without my written instructions

Company response to consumer: Closed with explanation