BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
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 have a VISA credit card with PenFed -- https : //www.penfed.org/ On XX/XX/2020, I added an authorized user to my PenFed VISA credit card account. The authorized user was added, and PenFed promptly reported the authorized user 's account on his credit report. 

However, PenFed refuses to provide the authorized user with online access to the account. The authorized user is unable to track his use of the credit card, verify purchases, payments received, etc. 

On XX/XX/2020 I contacted PenFed at their customer service number, and requested that the authorized user be granted online access to the VISA credit card account. PenFed refused, claiming that they are not required to provide him with any type of access. 

I believe that PenFed 's refusal runs afoul of the laws and regulations currently in effect, and that PenFed MUST provide the authorized user with online access to the VISA account, for the purpose of online account management. 

Please note : PenFed does NOT provide paper statements for the VISA account. As such, it is impossible for this authorized user to obtain any account information about this account.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: IL
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:
After reviewing my credit report I see the below information still in there, that makes me more upset. I never granted your company the right to report against me under the Fair Debt Collection Practices Act 15 USC Section 1692 that was abusive practices. I was a victim of invasion of my privacy.

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 2022-07-11
Company: EQUIFAX, INC.
State: SC
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 noticed some inaccurate items on my credit report and reached out to the credit bureaus to have the reporting information verified. I sent letters to each bureau on XX/XX/2022, and again on XX/XX/2022. I have not received the method of verification used to show these entries are accurate and they still appear on my credit report. 

Here are the items in question : DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

XXXX XXXX XXXX Provide the document that shows I owe {$1200.00} XXXX XXXX This was pay per delete agreement and needs to be removed. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXXXXXX Provide the method of verification that proves I owe {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Hello, I've tried speaking with the branch manager about my loans and it falls on deaf ears. XXXX is her name she's bombarded my work place with phone calls, calls my references gosh knows how many times, comes to my job as well acting as an customer or getting coffee at XXXX, calls my cell phone at least 10-20 times a week either through company phone or her personal phone number, comes to my apartment bangs on my door that it scares me. All these tactics she's doing had caused me an XXXX XXXX from worrying.

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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX  XXXX {$2100.00} XXXX   XXXX  XXXX  XXXX {$570.00} XXXX XXXX {$89.00} XXXX  XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX  XXXX {$980.00} XXXX   XXXX {$1400.00}

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 2020-08-31
Company: Client Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, Reference # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. CLIENT SERVICES, INC the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$360.00}. CLIENT is in violation of Title 15 USC 16 SERVICES, INC 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. 7018 3090 0001 0743 8142. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: ME
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 am
one of the many citizens impacted by the Equifax hack. I was never directly contacted by the company to inform me of this, even though they have my personal information. This XX/XX/XXXX, I was the victim of credit card fraud of over {$7000.00}. I do not know if this event is related to the Equifax
hack, but the timing is suspicious. Fortunately, my credit card company has reversed these fraudulent charges, but I have spent many hours on the phone resolving this issue.
In addition to signing up for the free credit monitoring service for 1 year, I plan to freeze my credit tomorrow morning. From what I have read, this might have a charge associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
My information was leaked by the Equifax hack which is information that will affect me forever, however, they have no solution to protect my credit reports. The only thing they offer is to protect it for a year after which I have to pay them for the service -- essentially, they are charging me to protect my data that they leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase Bank sent a letter stating that a Chase Sapphire card application was received an because I froze my credit, the application could not go further. Called Chase to notify them this application was fake. They canceled the application and would send me a resolution letter. Someone applied on two separate dates ; XX/XX/22 and XX/XX/22 for a Chase Sapphire visa Platinum card. They used my corrected home address and added a second in state address that Chase would not disclose to me. 

Chase Sapphire application reference number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: DC
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:
In Letter Dated XX/XX/2019 sent to the Credit Reporting Agencies went unanswered by all three ( 3 ) bureaus, no explanation was provided and they all continue to report the erroneous information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant calls after I asked only to be contacted by mail

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 2022-07-11
Company: ERC
State: NC
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:
ERC COLLECTION AGENCY POPULATED FOR {$75.00} on credit report. 

They never sent me a letter. 

Their calls are recorded and two different reps admitted no letter sent. 

They transferred me to someone else who all of a sudden said they mailed a letter. 

No letter ever mailed/received and it is on my credit report. I was not allowed under the FDCPA to receive a letter and have my right under that law to dispute. 

This debtor is unknown to me, I dont have any established accounts with them, they are rude, abrasive on the phone and have violated my consumer rights I want this removed from my credit report immediately. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: JPMORGAN CHASE & CO.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX I called and requested a deferment because I broke my XXXX  and needed to pay to see an XXXX surgeon. I have medical bills from my XXXX XXXX visit, I need to see the surgeon to have my XXXX  set and casted. {$610.00} would have gone a long way towards me being able to receive proper medical care. I was told I didnt qualify. Fine, but dont deny my request based on FALSE information. 

XX/XX/XXXX then received a letter stating that I didnt have the ability to resume payments. Thats a lie. I stated I am XXXX mom and has been for years. My car payment has always been made regardless. I can attach my bank statements proving I dont have access to funds to continue making payments is a lie. I spoke to XXXX XXXX ID # XXXX who did not care that something incorrect was done in the prior call because my medical bills hadnt even been resolved yet. Of course they hadnt, they havent even arrived yet from XXXX XXXX, and I havent even seen the XXXX  surgeon to have my XXXX  set yet! But guarantee itll be over {$630.00} as the surgeons office visit alone is {$150.00} without my XXXX  being set, casted, or follow up care. {$630.00} literally meant me receiving proper medical care and my XXXX  having to go improperly healed and deformed. He stated they are unwilling to do anything to resolve the issue as its simply a courtesy. I requested it be resubmitted with my husbands income included as he pays the bills. He refuses and told me to call back in a month. He also refused to tell me why they had come to the conclusion they did that I couldnt resume making payments to which he replied he couldnt coach me. Telling me what caused them to claim I cant make payments is coaching??? Why would any company say we denied you but we refuse to actually tell you why? 

XX/XX/XXXX I called back to obtain agent ID # s. I spoke to an agent named XXXX who refused to provide me an agent ID or any other identifying information after I told him I was filing a complaint with the CFPB. I was transferred to XXXX agent ID # XXXX. I asked why she was able to provide me an agent ID, but the prior agent was unable. She advised this number should have been provided and that the previous agent hadnt been noted he spoke to me prior to the transfer. 

I can provide bank statements showing deposits made every single month into my account and my urgent care discharge paperwork that states me finger is fractured and I need to see an orthopedic surgeon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was part of the Equifax breech. This is horrible because I 'm a young person who has worked very hard for her high credit number and I 'm disgusted that this company has known about this breech longer than today XXXX/XXXX/XXXX. I have never used this company for any reason but they still had access to my credit records. My privacy and future has been jeopardized. I 'm only a young adult, am I going to have to be looking over my shoulder all for the rest of my life?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Gatestone & Co. International Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022 at XXXX Central Time I received a phone call from the debt collector Gatestone & Co International Inc ( the Company ) reporting to be XXXX XXXX telling me to return their call immediately at XXXX so my account doesn't go to further collections. 

The Company acknowledged receipt of my letter dated XX/XX/2022 informing them they may only contact me by mail at my address. The Company continues to call me in violation of federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had an auto loan with Bridgecrest, but refinanced it with XXXX XXXX XXXX. Bridgecrest was paid off on XX/XX/2022, but they will not release my title to XXXX XXXX XXXX. They have given several excuses : XXXX. The title is in a vault and it takes usually 10 days to retrieve it and mail it. 
XXXX. We failed to retrieve the title from the vault and dropped the ball, we are sorry. 
XXXX. We have the title but we need XXXX 's physical address in order to expedite it. 
I provided them XXXX 's physical address on XX/XX/2022. XXXX notified me today that they still have not received the title. XXXX XXXX, if I can not produce a title, they are increasing my interest rate to the maximum allowable rate. This is out of my control because I can't get Bridgecrest to cooperate. I am going to lose my low interest rate on my loan. 
Today, I reached back out to Bridgecrest. They informed me " We never mailed the title because we do not have it, but we can mail a lien release form so XXXX can go to the DMV and get the title their self ''. I spoke with XXXX and they won't do this, they said they have to have the title. Bridgecrest needs to release this title but I can not get them to and the excuses are always contradictory. I feel the Bridgecrest is retaliating because I refinanced with another bank and maybe trying to force me to finance the car with them if I am unable to produce the title to the new lender. I think this is unfair. 

Please help me get this matter resolved since Bridgecrest can not provide me with consistent answers as to where the title is, they will not mail it and they also keep telling me they will but then never call me to tell me there are problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: KY
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:
I have 5 accounts on my credit report that should be removed, they are outdated. I have sent several letters to the bureaus regarding this issue. I will attach the letters. They will not remove them from my credit reports, when it has been 7 years. 

There are also a few accounts reporting inaccurately that I would also like removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: VT
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 databases of the Equifax Credit Bureau were breached at some point ( presumably shortly ) before XXXX XXXX, 2017. The bureau refrained from alerting to the breech for nearly two months, and the executives of the company dumped stock, indicating that they knew the impact that it would have on their company. My PII ( personally identifying information ) is believed to have been compromised in this data breach, and my identity is now subject to theft and abuse by an unkown number of criminal parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: UT
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had previously filed a complaint against CitiBank for my best buy card to dispute the late payments being reported. I had mentioned to them that there were late payments on my credit report that I did not agree with but they sent me the attached letter and verified it as well as the credit bureaus verified the late payments. 

But what I found after doing my research is the CitiBank violated the Fair Credit Reporting Act by verified data that they said is correct but reported something totally different to the credit bureaus. They said I was 30 days past due as of XXXX XXXX but the credit report clearly shows me being 30 days past due as of XXXX XXXX. Therefore, I have reason to believe that no real investigation was done and this was just a templated response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: NC
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:
I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. 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 of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX CA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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