BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: Bridgecrest Acceptance Corporation
State: NV
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:
from- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX Dear BRIDGECREST. 

Despite my attempt to get you to remove the late fees from my record, you refuse to. 
It appears that you are all extremely ignorant about consumer law or you are willfully refusing to comply. I once again refer you to -15 u.s.code 1681 ( a ) letting you know that late payments are illegal. I as a natural person, decide what is reported and not reported on my file, according to consumer law. I am the ORIGINAL CREDITOR : ONCE AGAIN - BRIDGCREST with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). 
In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

You could have just deleted the illegal and unethical late payments and I would have been satisfied. But now due to the fact that you are affecting 35 % of my credit score negatively, you leave me no choice but to sue you. 

I will send you a certified mail- for the affidavit of support and invoice for all your violations. NOTE : Keep in mind that ARBITRATION will cost you an additional $ XXXX {$12000.00} in attorney and court fees so I suggest you pay up within 10 days upon receipt, or I will proceed as planned. 

Most sincerely, 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 explanation
Consumer complaint received 2021-09-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington is trying to say I did a partial home loan modification in XXXX. I had my whole loan redone to {$90000.00} XXXX  XXXX XXXX got {$21000.00} which isn't supposed to be paid back until the end of the loan which is XXXX. It doesn't state it in the letter either about a partial home loan modification from XXXX. XXXX  XXXX XXXX tried to foreclose on my home in XXXX because they weren't applying my payments as they should be. I had to file for bankruptcy protection to save my home. They keep telling my lawyer different stories from what they told me to cause trouble. Now Carrington is causing more trouble with not notifying my lawyer or the bankruptcy court. This XXXX as an f rating with the XXXX. It seems they want to transfer my home loan to these sorry companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a dispute with NFCU about a charge from a bar in XXXX called XXXX XXXX. When I was leaving I went to pick up my card and pay my bill in cash and was told my bill was over {$400.00} to which I immediately told them they had the wrong tab as I only had 2 XXXX XXXX, a vodka soda, and a hookah. They reviewed and I ended up paying {$80.00} in cash which included the cost of drinks, hookah, and a tip. I was NEVER given a receipt but I was given my credit card back and they said it wouldnt be charged. Later on I saw that I was in fact charged to my card and I waited to see if it was an error that would fall off but it never did and posted to my account, so i filed the charge back with NFCU. The provisional credit was given and when I made the claim NFCU asked if I had any documentation I wanted to send over to which I explained I didnt as I wasn't given any receipt for the cash payment i paid and I didn't have a credit card receipt because I was told it wasn't ever charged and i never signed for anything. XX/XX/XXXX my account was redebited for the amount and I had to file an appeal because I was told that the merchant came back and said that the services were valid. Today XX/XX/XXXX I received a response to my appeal which stated that they wouldnt reopen the case unless i provided a sales receipt so I called the bank directly and was told that the case was closed initially because i didn't provide documentation and that they didn't contact the merchant. So not only did they lie but they failed to followed Federal guidelines as per Reg. E when it comes to unauthorized charges. I asked for copies of all documentation used in determining the charges were valid and was told they didn't have any because they didn't contact the merchant. The merchant can't provide any documentation because they dont have anything from me signed because they gave my card back and I never signed for any receipts! This is completely outrageous. The merchant is committing theft and the bank is a in violation of federal regulation. I want my money back to my account within 72 hours or this will be escalated legally..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Upgrade, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/2023. Upgrade Credit Card. I requested financial hardship. The issue is that I need to miss a payment or after the due date to call in. I don't think it is right for a customer to miss a payment in order to move forward into the financial hardship program. Below I have attached the CHAT Transcript with the customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that Eastern Account System validate an account that they are reporting on my credit report from WOW. The company has not validated this account and the account is still on my credit report. This is not my account. The company has not provided a written agreement with my signature on it proving that this is my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened up this checking account on XXXX XXXX, 2022, for the bonus promotion. I deposited {$75000.00} on XXXX XXXX, 2022 and ever since have held the money in my checking account.. I should have received a {$1000.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$1000.00} bonus as the terms stated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-11-30
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I got a credit report that owe {$120.00} for an insurance premium form XXXX XXXX. I never had XXXX and never owned them. I called to verify the information. I was told they cant do anything. i initially called the debt collectors and they told me to call XXXX. 

I called XXXX and they told me that i live at XXXX XXXX XXXX XXXX, XXXX, PA and i owe them and they cancel my insurance on XX/XX/XXXX and i failed to pay them the balance. 

I told them that that's not me and I don't owe them anything. they did not believe me and said there is nothing i can do. 
I decided to dispute the debt as it brought my credit down by XXXX points.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Credit inquiries on your report that you don't recognize

Complaint:
fraudulent inquiries reporting on my credit report, I have now set a fraud alert to my credit bureau account to prevent this issue in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: OH
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 there I have some valid accounts with incorrect history and some accounts that don't belong to me at all! 
My mortgages below are valid accounts but the history is incorrect! 

1 ) XXXX XXXX Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX  Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This company below was my previous mortgage servicer and they are reporting me late when I was deferred and then they sold my mortgage XXXXXXXX XXXX Account # XXXX Opened XX/XX/XXXX Lates incorrect below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The accounts below does belong to me but they are reporting me late and I was never late XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$860.00} They below lates reporters on my credit in wrong below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts below do not belong to me at all! 
1 ) XXXX XXXXXXXX XXXXXXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$660.00} 2 ) XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$570.00} 3 ) XXXX XXXX XXXX  L Account # XXXX Amount owed {$400.00} 4 ) XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$280.00} 5 ) XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$190.00} 6 ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owner {$0.00}

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 2023-10-04
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XX/XX/23 Someone claiming to be an employee for speedy cash emailed and said I was approved for a loan of {$5000.00}. I completed the necessary documents and verified my bank account information so that the deposit could be made. The deposit was never made and I am now lead to believe I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Payfare International Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Unfortunately, I recently lost my XXXX XXXX debit card. While attempting to secure my account in light of this, I inadvertently locked myself out. 
The situation has been further complicated due to the fact that part of the account verification process requires the entry of the last four digits and the expiration date of my now lost card. This has rendered me entirely unable to access my account and its associated funds. 
I understand the need for stringent security measures ; however, there must be an alternative way to validate my identity and regain access to my account without the lost card details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
mr Cooper said they sent a in XXXX and XXXX letter rrequesting more documents to approve modification. Frustrated with the process of record keeping I applied through a government agency which had tougher guidelines and deadlines and required documents just like mr Cooper I was approved in XXXX during this mr Cooper also They also waited five more months to nickel and dime the government with more process to get more money then send me a bogus bill to pay XXXX by the XXXX I checked my taxes they barley changed I get why my insurance policy would be about XXXX a month the taxes about XXXX dollars so were is this extra taxes and fees coming from when everything has been paid and you XX/XX/2019 I came to you for help cause I couldn't afford it which was XXXX you KNOW I CANT AFFORD XXXX XXXX dollars more yet you take the money and act like you requesting when you knew I was approved cause I sent you correspondence letting you know how spotty your paper work keep is XX/XX/XXXX and all the while you purposely stalled and got more INTEREST!!! WHY DO I HAVE TO PAY ALMOST XXXX more THAT WASNT MY CONTRACT!!! if I needed to get cheaper I never got a call a email nothing .my insurance was never this high so Ill have to contact them but these other fees are Predatory and to not be given a explination Predatory..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I turned in early a leased BMW vehicle. The BMW Lessor was BMW financial services NA , LLC. I turned in the vehicle 67 days before lease maturity. 
BMW Financial services are denying me due process per California Vehicle Leasing Act. They are billing me for the remaining balance right away and they collected {$2500.00} from me.

According to California Vehicle Leasing Act Civil Code ( & & 2985.7 - 2993 ), the California Supplement to the Federal Consumer Leasing Act ( 15 U.S.C & & 1667-1667t ) BMW Financial services should have allowed the following before starting to collect debt from me : The due process allows waiving of the remaining lease payments and any fees if the vehicle appraised value or in case of no appraisal, the wholesale value of it exceeded the Gross Early Termination Allowed. 

Instead BMW Financial services refused to allow for appraisal of the vehicle and they replied to me that selling the vehicle is their business and they will not disclose any sale price. 

This is a violation of California vehicle leasing act which is a supplement to the federal leasing act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is the second time I have filed a complaint against equifax. I have not been able to access a credit report through then since XX/XX/22. Not only will my score not pull, banks cant access it either and they have my name wrong. I have submitted all documents to them to correct my name twice and its still wrong. They say its fixed and send me a hard copy of my report in the mail and my name is still wrong on the report and the credit pull is old and doesnt have updated information and my bank cant pull the report themselves. I have been trying to buy a house for a year and cant because of equifax. I logged onto my account with them today and now Im getting a code BLNK. I called to tell them and they said nothing is wrong on their end, I also told them my name still hasnt been fixed. 
Its been a year. Equifax will not help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: WELLS FARGO & COMPANY
State: OH
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:
Wells Fargo Education Financial Services reporting to credit bureaus that my name is on the following account as a co-signer. This is not correct. I did not co-sign for this loan. 

Account number XXXX Wells Fargo Case Number ( for dispute I opened ) : XXXX Wells Fargo sent me a Fraud Packet to complete and return to them for further investigation. This packet includes their requirement to file a police report and send them a copy as well as a signed, notarized statement indicating that I would support the civil proceedings against the fraud perpetrator. 

I will not complete the Fraud Packet request. However, if I must, the police report will reflect the perpetrator as Wells Fargo Education Financial Services. 

I see in 2016, Wells Fargo Bank was held accountable for similar actions to the amount of {$3.00} XXXX in penalty.

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 2019-05-26
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It all started when Ditech changed my account number, previous to this change, I use to pay my mortgage and insurance together, to that same company. I use to pay XXXX  XXXX every month but with the account change, it made paying my mortgage and insurance difficult. XX/XX/2019, was when my account number has changed for both my mortgage and insurance. I made payment via XXXX XXXX of {$340.00} on XX/XX/2019. On XX/XX/2019, I made two separate payments of {$280.00} for my mortgage and {$75.00} for my insurance via Money orders. with my XXXX payment Ditech combined these payments to my insurance and not my mortgage. On both of these payments I included separate account numbers for my mortgage and insurance. I don't understand how Ditech could have combined both payments, if they both included different account numbers. On XX/XX/2019, I got a notice that I was suppose to include {$15.00} to my payments for accidental death insurance, which I included in XXXX and for XXXX. I also made a XXXX XXXX   payment to Ditech for XXXX for my mortgage and XXXX for my insurance on XX/XX/2019. On XX/XX/2019, I made a payment of XXXX for my combined mortgage and accidental death insurance. On XX/XX/2019, I received a notice from Ditech that I am delinquent on my mortgage for the months of XXXX, XXXX, XXXX and XXXX for the amount of {$1100.00}. I have proof of all my payments and have been losing sleep and being worried since I discovered that Ditech stated that they didn't receive my payments. I have done XXXX inquiries of who and where the Money orders have been sent and it was Ditech that received them. I have lost additional fund doing Money order inquires. I called Ditech been put on hold multiple times or no answers. I am trying to find out where XXXX insurance payment went, because they stated they did not receive it. In addition to all this fiasco, Ditech informed me that starting in XXXX, my insurance is to be paid to another company, world financial. But, according to XXXX payments, they included my mortgage payment in the insurance account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 someone hacked into by Bank of America ( BoA ) online banking account and attempted to transfer {$3500.00} from my BoA to a source Bank of America will not reveal. I did not realize what actually took place until XX/XX/2021 and I called BoA. However, On XX/XX/XXXX someone DID call my cell phone telling me they represented BoA and knew all the details of my BoA account ( including my account 'nickname ' ) and that same someone who said they were calling from BoA explained to me someone was trying to perpetrate fraud against my account and in order to stop the transactions from happening I needed to provide them with a code they had just sent to my cell phone. Thinking this was BoA I gave them the code. An amount totally {$3500.00} was transferred out of my account and into an account BoA would not provide me. I explained to BoA that this was fraud and that I did not intentionally make these transfers. They have since investigated my claim and are insistent that I made these transfers although I told them I did not and it was fraudulent. I'm not really sure I do from here so i'm contacting you for assistance

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