BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 30 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a Issues with them freezing all of my accounts up some had hacked into my accounts on line like 6 times and I had submitted multiple security appeals and every thing else and I have been getting the run around from the credit unions security operations department I had some one do Identity theft on me and hack into my accounts there and they are treated me like I am the XXXX criminal that did the XXXX and its like they are placing the blame on me instead of the person who did it. There security operations department has made several XXXX  remarks tourds me because of my last name being XXXX  XXXX and refused to remove the security restriction, Want the matter investigated very very Thurley and want them find. For discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: ERC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Enhanced Recovery Co L- disputed this company 2 years ago as a result of fraudulent activity. Debt item was removed as a result. They have re-inserted the debt unto my credit report and have re-aged the debt stating it is NEW. No previous attempts have been made to contact me neither by phone or letter advising me of this unlawful debt neither.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX 2017 ; I spoke with the company when they called in the morning and told them that I was exercising my right to have them contact me via mail and no longer by phone. 
I 'm attaching screenshots of the harrassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Home Point Financial Corporation
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:
My mortgage was in forebarence due to COVID from XXXX at which time my mortgage was transferred to another lender. Home point financial reported to the credit bureau that I was late on my mortgage for the following months : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX which were protected under the forebarence not to be reported as late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
n 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 a right to privacy.

15 U.S.C 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 2017-11-06
Company: STERLING JEWELERS, INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX and they are collecting for Kay Jewelers aka Sterling Jewelers for account XXXX. This account is one fraudulent account included in my identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account # 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 a account without my written instructions XXXX 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 non-monetary relief
Consumer complaint received 2022-03-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 30 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2017-11-06
Company: Diverse Funding Associates LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX and they are collecting for XXXX XXXX XXXX XXXX XXXX for account XXXX. This account is one fraudulent account included in my identity theft.

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 2017-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX XXXX for Capital One Bank Card with a balance of {$400.00}. I have semt numerous notifications to these companies that this is identity theft yet they continue to show on my credit reports despite me being the victim of the crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/17 Over the last couple of weeks I and many others have experienced problems downloading transactions from the NC State Employees Credit Union into XXXX. The error is a security error stating XXXX servers can not connect with the CU 's servers. When I contacted the CU all I get is that they have made some security changes and know that there are problems. No estimated date to fix. Sometimes the download is successful, but most of the time it fails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: MI
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 Account # XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions First Premier Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MO
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:
n 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 a right to privacy.

15 U.S.C 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 explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: MO
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:
n 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 a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: JPMORGAN CHASE & CO.
State: NM
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:
on XXXX my cc was billed for 2 separate transactions with XXXX. one for XXXX and another for XXXX we notified XX/XX/XXXX to not charge my card as my employer would be paying for this joint advertising. it was to late XX/XX/XXXX charged my card. my company sent a ck for the XXXX account to our XXXX XXXX partner for our half of the advertisement. XXXX then sent a ck for the full amount to XXXX, their half and they had our half from receipt of our ck sent to them. since my cc was already charged i called chase XXXX XX/XX/XXXX to reverse the charges. they reversed the XXXX but they did not reverse the XXXX and i cant understand why as they have not communicated that to me. i need this XXXX reversed. thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I established an online account with PayPal on XXXX XXXX, XXXX. Shortly after, I was informed that my account had been temporarily limited on XXXX XXXX, XXXX, and was requested to provide additional information to verify my identity. I complied - and provided a copy of my U.S. passport, only to be told that PayPal had decided to close my account due to some " security issues ''. This is ridiculous - I 'd been using the account normally and PayPal could n't even provide an explanation to justify its decision. The reference number for PayPal 's request for my identification is : XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MO
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX ), XXXX ( Experian ), XXXX ( XXXX ), has violated my rights.

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

15 U.S.C 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 explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: MO
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ), has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Fay Servicing, LLC
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sold my loan to Fay Servicing ( about {$5000.00} left ).
Fay Servicing wants to add insurance to my loan amount for a home that is non-existant, just like XXXX did. 
They sent me a policy from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX Delaware XXXX 
The certificate they sent says the insurer must be licensed to operate in my state, I tried to get some kind of insurance, with no home to insure, and my insurance lady said there was no insurance company in Oregon that would issue such a policy. So I do n't believe XXXX XXXX XXXX. XXXX and Fay Servicing have the right to charge me for a homeowners insurance policy when there is no home. 
They are also putting any money I pay that is over the payment amount required into a non-applied account? I have requested on the phone and in writing that I want any money over the payment to be applied to the principal, but they do n't do it. 
They are stealing and cheating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: The CMI Group, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX says I owe them {$140.00} as of the status date of XXXX. I have NO idea about this debt whatsoever, and moreover, I dispute it. When I tried to contact the company, I was told they could n't find my information. 

Also, XXXX XXXX XXXX says I owe them {$490.00}, as of the status date of XXXX. I have once again, received NO information regarding this debt, and have not been able to have anyone contact me on the phone when I tried to call this company twice. They told me someone would return my call. No one has.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had the worst banking experience at Citibank. I signed up for a {$300.00} promotion online on XXXX XXXX, XXXX. I was supposed to receive my account information packet within a week of opening the account, but I did not receive it for about a month. I repeatedly called Citi about it and at first, they told me to keep waiting, but after a month, I called to complain, and they finally sent it to me. 

I then called in multiple times ( at least once in XXXX, XXXX, XXXX, AND XXXX ) to speak with a representative about whether I would receive the promotional credit and was assured multiple times by different representatives that I would receive my promotional credit, but had to wait for some procedures to go through. In XXXX, they told me to call back in XXXX. In XXXX, they told me call back in XXXX. 6 months and more than 6 phone calls later, still no credit, and no accountability from Citibank. I called them a final time in XXXX and told them there was no excuse for them to keep delaying crediting my account with my credit, and they told me that I did not fulfill the original criteria of getting that credit because I did not make a direct deposit within 1 month of opening the account. I was extremely frustrated because I had called in multiple times along the way to ask about this because it was Citibank 's fault that I did not receive my account information until a month after opening my account, and now they were blaming me for not having the account information to make the direct deposit. I am so frustrated with how Citibank stringed me along all this time only to continue to deny me the promotional credit they had promised me. Not only did they continue to lie to me, they also consistently wasted my time and required more than the normal effort to get a response. This is the worst bank I 've ever worked with and I will recommend against it to all of my family and friends, and I hope CFPB will be able to right this wrong.

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