BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2021-10-15
Company: Experian Information Solutions Inc.
State: PR
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:
To whom this may concern I have contacted XXXX XXXX  XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards Today XX/XX/XXXX I spoke again to a different representative to try to get this resolved.

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
XXXX  XXXX  and Transunion are all reporting multiple inaccurate information about me via my credit reports. I have sent them multiple certified mail pieces and called multiple times, seems to have a problem providing me with how they are verifying any accounts. my credit was hacked and i have been trying to get them to cooperate

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 2022-07-08
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i got my statement and had several unauthorized withdrawals. On the XXXX through the XXXX of XX/XX/2022 {$5000.00} was withdrawn 3 times to people i dont know.I called the bank and closed the account and put fraud claims in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: AZ
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:
Privacy and confidentiality under 15 USC 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 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 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}, accounts 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 a account without my written permission instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2020-12-14
Company: Experian Information Solutions Inc.
State: AZ
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2023-01-02
Company: EQUIFAX, INC.
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:
According to my recent credit report request from XXXX, Equifax, and XXXX and there are several inaccurate account inquires on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires XXXX XXXX  notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification : XXXX XXXX XXXX XXXX Inquiry occurred twice without my permission and is fraud. 
Address XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX inquiry occurred twice without my permission and without my Identification. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Bridgecrest Acceptance Corporation continues to harass me using profane and obscene language over an alleged debt I do not owe after I sent them a cease and desist letter back in 2022 and they have yet to provide me with all the necessary documentation I requested to verify this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Long ago in the middle of pandemic I was told that they offered services to help with payments such as delayed payments, haunt on interest rates etc. I called to try and have this done and was told no we do not even tho it stated on their app they did, was also told they would not stop the frequency of calls. Eventually I started catching up with bills after finding work and childcare in the pandemic but it barely covered interest rates. I tried again with no evail my payments weren't enough and they wanted more and more n I told them that was impossible unless me and my kids stopped eating and paying bills. I was talked over everytime, most times by someone XXXX XXXX and ignored untill I hung up. The calls have become more frequent. 2 sometimes 3 times a day. This is way to much and I have had enough!

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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On ( XX/XX/2020 ) I wrote to XXXX, TransUnion and XXXX  about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.

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 2022-10-08
Company: Albert Corporation
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I lost my debit card ordered a new one. On the app it forced me to show my License because my account was locked now. I emailed support and sent them a picture of my license, multiple pics of me, my social security card, birth certificate, and a picture of my Veterans ID and Ive been emailing them all of this information from the email I have on file with them. Theyre holding my money and wont give me access to my funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had to file a previous complaint to get Freedom Mortgage to address a previous payment issue. When addressing that issue they created another issue. They now say I owe a late fee of {$27.00}. If anyone is owed a late fee it is me. They refused to apply a payment made for at least 4 months. I have no idea why they now say I owe a late fee. I have called several times and no one understands what is going on. They say the manager will call back, but they never do.

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 2022-02-25
Company: Collection Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/XXXX : -I received a letter stating that a judgment was filed against me for a car dispute with XXXX car rental. I had no prior knowledge about this judgment. This was the first time hearing about this " default judgment '' of {$1100.00}. I had rented a car from XXXX in XXXX and settled a dispute over a minor scratch on the rented vehicle. 

- As directed in the judgment letter, I contacted the lawyer using the number listed on the letter ( XXXX ) XXXX. The receptionist on the line seemed confused about my case number, and when requested to speak to XXXX XXXX XXXX I was transferred to XXXX XXXX, the Office XXXX. I asked XXXX XXXX how to confirm XXXX XXXX was a lawyer and she told me to " XXXX him ''. I also asked how to look up where this judgment was filed and she said she didn't know that information. She told me I had to pay or a judgment would be submitted. However, the letter indicates that a " default judgment was entered against [ me ] in favor of our XXXX XXXX, XXXX in the amount of {$1100.00} ''. She requested I pay over the phone or send a check or money order. If I paid over the phone I would have to record my credit card number. I was unsure at this point if this was a scam so I said I would send a check in a month. 

- After this call, I located XXXX XXXX XXXX 's bar association number and contact information. I called him to confirm he had filed a judgment against me or would if I didn't pay. During our conversation, he said that had received multiple calls about similar judgment letters, that he was not associated with the contact information listed on the address, and that this company was using his name without his permission on these judgment letters. I emailed him the judgment letter on XX/XX/XXXX to confirm he is not associated with the " case ''. He responded on XX/XX/XXXX stating there is no judgment " as far as he knows '' against me and that he requested the judgment file from the office XXXX XXXX is associated with. He also directed me to ignore the letter until this can be confirmed. 

- Using the legal support team through my employer, I explained the aforementioned events. I was advised not to pay and to check my credit to ensure no judgments had been filed against me and to file a fraud report. 

- I checked my credit report with the XXXX credit bureaus to confirm a judgment was not filed against me. As of XX/XX/XXXX, no judgments have been filed against me as reported by the XXXX credit bureaus. 

XX/XX/XXXX : - I was contacted by the email from XXXX XXXX from the email address XXXX on XX/XX/XXXX. The email requested the full amount and was signed by XXXX XXXX and stated they previously called me to collect this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Google Compare Credit Cards Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX and I am a senior citizen and I am also on social security. 

I am a Google email user and the email I am complaining about is XXXX I signed up for email address to use in my XXXX account so as to be receiving verification codes and I have been using the email for more than a year now. 

Few days ago, google disabled my email address and said they suspected it was used for phishing and they said I can appeal the decision. 

My email address has never been used for phishing before. So I appealed the decision to have it reenabled and I never heard back from Google. The case number google gave me is [ XXXX ] This has done a lot of damages to me because I used email to link to my Online social security for verification code when I want to log in. I have not been able to access my social security account for now because the code is being sent to my email address. 

I have over {$4500.00} US dollars in my XXXX account and I can not withdraw because XXXX recently sent a code to my email and asked me to provide the code, but google shut down my email address. There is no way for me to change my email on XXXX because they will first of all send email to the old email that was linked for confirmation before a new email can be added. 

Also few of the online banks which has no location that I have Account with I can not log in because my email which google XXXX was used for codes too. 

I am officially writing to Google using this complaint to enable my email address so I can be able to withdraw my funds from social security and XXXX because I have been so frustrated in the past days please. 

The email I am complaining about is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: KEYCORP
State: OH
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:
There was a fraudulent charge on my Key Bank Credit Card on XX/XX/2019. I notified the Key Bank the morning of XX/XX/2019 that this was a fraudulent charge of {$1600.00}, less than 8 hours after it was posted to my account. Key Bank informed me that I did not need to do anything else and they would notify XXXX since it was an online order. XXXX XXXX   continued shipment which was rerouted to a XXXX facility and picked up by someone who said they were me. 

I have been denied recovery from this charge by Key Bank because the initial shipment was to my house, which was changed by the thief who ordered using my information. All of this information was not relayed to me until 65 days after the product was ordered so I had no way to stop shipment or notify XXXX to cancel the order. 

Not only did Key Bank fail to protect my assets they essentially enabled this crime to happen by not acting in a fast an efficient manner, and further more have burdened me with this charge because of their lack of action.

Company response to consumer: Closed with explanation