BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: PA
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:
I consumer did not consent too nor authorize these inquiries that are reporting to my EQUIFAX consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from EQUIFAX. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Equifax an identity theft report via XXXX certified mail. How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. EQUIFAX humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If EQUIFAX can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Equifax let concur on my consumer report. EQUIFAX stole my identity and sold my private information without prior consent. I have a right to privacy and Equifax violated my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is about my mortgage company NewRez. I found a better price for homeowners insurance. The policy went into effect XXXX. They decided to add flood insurance in the escrow account also. Someone missed the documents from Fema. I have sent the documents 3 more times since then. Even certified. I called again today XXXX and they still have not removed the flood insurance. I have a letter stating from XX/XX/XXXXthat they determined that I was not in a flood plan and would fix my escrow account. I have been over paying my house payment for 10 months now and still can not get this problem solved.I am promised every month that this problem will be resolved and my money will be returned. They owe me hundreds of dollars and still refuse to fix my escrow account. Unbelievable. Can you please help me with this matter. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Media Collections, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was a customer of XXXX for about 8 years, I moved and cancelled my service on XX/XX/XXXX directly with XXXX, they said they would send something to send back the modem, however I never received any package or envelope. I still have modem. I paid the final bill in XX/XX/XXXX, but now XXXX XXXX XXXX XXXX   Collectors are repeatedly calling multiple times per day at my place of employment trying to collect {$480.00} that they claim I owe XXXX. I tried calling XXXX but didn't get a call back from their executive office, I left a voicemail and also had a XXXX representative who took the information down and said someone would call me. I wrote them a letter with no response. I have asked the collection company to stop calling that I don't owe the debt and one woman threatened that she would see me in court then. But they keep calling. the collectors are rude, abusive and forceful, they don't listen that I don't owe this debt, and they call too late and too early in the a.m. they have called at my employer as well asking for me. The collectors refuse to give their names. they give the name of the agency but not their names.

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 2019-10-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX account numbers # XXXX and # XXXX are in violation of my Bankruptcy. They were included in the bankruptcy but they are currently still reporting a balance and are still updating.

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 2022-02-10
Company: Mobiloans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
XXXX practices predatory lending practices and charges Usurious Interest Rates ( 446 % ) in the State of Michigan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Cell : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-10-08
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I will be the first to admit I've had problems making timely payments and have received assistance before. However, COVID brought about an entirely new set of issues when I was first furloughed, and then diagnosed with XXXX. After a long period off and many days not even being able to work, I am finally back to work and able to maintain payments again. Bridgecrest set my car for repo last month. I paid {$320.00} at that time and my wife was told over the phone that after the {$320.00} was paid that we could work put a payment arrangement for the past due. That never came to fruitition and once again this month my car was placed for repo. I had applied for a private loan to help me cover the cost, so I set up payments online. I ended up not getting that loan so the payments bounced. Then this morning with no warning the repo man was in my neighborhood. My wife had the car at the store so he left. My wife called bridgecrest to try to get them to make good on their offer to work payments out with us due to covid, if we made last months payment. She was told no such courtesy will be extended. Because had problems in the past we are apparently not allowed to be affected by covid? Despite being 1st furloughed and then contracting the XXXX. We were told despite claims on the website and emails that no help is available. My wife asked to set an arrangement for the {$1000.00} past due to be paid on XX/XX/16 when I get my paycheck. She was declined. She was told {$320.00} today or the car gets picked up. Zero empathy, zero willingness to work with us on this issue caused by XXXX. Zero notice given that the car would be picked up today. Most companies are working with XXXX affected clients. But bridgecrests standpoint is that if you've had past problems with payments, you aren't entitled to have XXXX problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: California Accounts Service
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to get information to verify this debt is valid. No one has any information to explain this amount. Evidently, the original debt was allegedly owed to XXXX XXXX XXXX? I have not received any notices of this bill & have not received any attempt to collect this amount! And, I have no information to resolve this issue. It is so frustrating since I have tried to get an excellent credit score. Please help!! 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have been attempting to work with The Home Depot/Citi Bank N.A. since 2018 to remove fraudulent charges in the amount of {$2100.00} that were made in XX/XX/2018 on my Home Depot consumer credit card. 

When I first reported the fraudulent charges in 2018, the charges were immediately removed from my account. Because the fraudulent charges were removed, I did not think it would be necessary for me to take any further action. The charges reappeared on my account sometime later. 

Since then, I have completed and returned their Declaration of Unauthorized Use form along with a police report to Citibank , N.A . On several occasions, I have spoken with the fraud department and various Investigators in attempts to have the fraudulent charges removed from my account. 

To date, The Home Depot/Citi Bank N.A. has not removed the fraudulent charges from my account. I have been making monthly payments on my account to avoid negative credit reporting effects. At this point The Home Depot/Citi Bank N.A. owes me for the payments I have made on the fraudulent charges.

Why did The Home Depot/Citi Bank N.A. not perform their due diligence in the first place in order to protect my account from unauthorized use? I am requesting that the fraudulent charges be removed from my account immediately and that I be reimbursed for the payments I have made on the fraudulent charges.

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 2018-01-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have transferred XXXX Euros via XXXX from XXXX to coinbase. It happened on XX/XX/XXXX. Its been 24 days and the money is not yet available in coinbase account. 

Raised 3 different cases with Coinbase. Tried contacting them by mail. No progress on it yet. I really need this amount back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: PA
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 sent a dispute letter to XXXX, XXXX, Equifax to remove negative items.XXXX, XXXX, Equifax then removed some negative items but not all. A couple weeks later these negative accounts were reported back on my reports inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-07-14
Company: Medical Business Bureau
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On  XXXX  I received an alert from my credit monitoring service that an account had been added to my   XXXX    and   XXXX   report. On  XXXX  I received another alert that the account had been added to my  XXXX  report. I have no knowledge of this debt. This company NEVER sent out a dunning letter for me to respond to and just put this debt on my credit report which is against the law. Filed a complaint and the response from the company was they did not have an account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required un der Section 611 ( a ) ( 5 ) ( A ) (  i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd p arties you are damaging my reputation and credit worthiness.  <P/> Under the  FCRA 15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.  <P/>  XXXX   XXXX   XXXX  " NO ACCT # '' UNVERIFIED/NO CONTRACT

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 2022-02-10
Company: Experian Information Solutions Inc.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-02-10
Company: CITIBANK, N.A.
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:
I had two disputes for a merchant from 2021. The company is XXXX car wash which is managed by ultimate wash concepts. The first dispute was properly resolved from XX/XX/2021. The merchant charged me again on XX/XX/2021. The merchant has provided myself and Citibank notice of refund but Citibank closed the dispute and reversed the charge. Their own feedback to me clearly shows a receipt from the merchant showing the payment was refunded, but Citibank never processed this transaction. Subsequently, they denied my dispute. This is total mishandling of a federally required dispute process. 


I have attached the denial letter. I have attached the receipt showing the refund. I have also attached the emails from the merchant to myself and Ohio Attorney General Office. I believe this evidence is sufficient to obtain my refund and penalize Citibank.

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 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act , 15 U.S.C. 1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd pa rties you are damaging my reputation and credit worthiness.  <P/> Under the FCRA  15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.  <P/>  XXXX   XXXX   XXXX  " NO ACCT # '' UNVERIFIED/NO CONTRACT

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 2021-03-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
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:
my auto loan account with USAA credit union has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2019 XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: BARCLAYS BANK DELAWARE
State: IL
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 signed up for a Barclays XXXX XXXX Barclays Bank Delaware ) XXXX XXXX XXXX ( XXXX ) XXXX credit card on XX/XX/XXXX. 

Barclays promised that once I spent {$3000.00} on my card ( within the first 90 days of holding the card ) and paid my annual fee, I would receive 50,000 XXXX frequent flier miles ( See accompanying document Miles and More promise & my spending for their promise ). According to a Barclays representative, I reached this spending target on XX/XX/XXXX. 

I would need to allow 4 6 weeks after reaching this spending target to receive the miles on my XXXX XXXX XXXX XXXX account. 

I contacted Barclays on XX/XX/XXXX to see when I would receive the miles. They promised me by 4-6 weeks of the date I reached the spending target, approximately 6 weeks earlier. This call to Barclays was documented in Barclays case # XXXX. 

I have contacted Barclays frequently, since that time and about once a week since the beginning of XX/XX/XXXX. Barclays case numbers document some of the calls : # XXXX and # XXXX. 

It has been roughly 4 months ( 16 weeks ) now, since I reached my spending target. They have never contacted me in direct response to this item to explain any delay. More importantly, I have not received the miles. Please assist.

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 2017-07-15
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I would like to have my bank KeyBank be able to work with active hours the app so I can quickly be able to receive my paycheck earlier than usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Southwest Recovery Services, Inc.
State: MI
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 receive a collection notice from Southwest recovery service the creditor is XXXX XXXX.I contact XXXX XXXX leasing and they notify me that they do not do commercial loans therefore it is a scam that either someone trying to use with Southwest recovery service to get funds from me. I file a dispute with the credit bureau XXXX and also call them they hang up on me when I give them my social security number and zip code. Took them less than 10 days to investigate this and they stated that the account was accurate and it remain on my credit report I am filing a complaint against XXXX and I will take legal action if necessary. Southwest recovery service is fraudulent scam working with whoever got my information and wants me to pay something that I do not owe.Please follow up. If it helps please contact XXXX XXXX and they will also let you know that been several phone calls on this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation