BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Bridgecrest has repossessed my car without validating that the debt belongs to me. I had communicated with them over the phone and sent a certified mail addressing the need for them to verify the debt that they claim I allegedly owe. So now, I do not have my property, my car, as they illegally repossessed it. I received a mail saying that if I do not pay Bridgecrest, they will sell my car.

According to 15 USC 1692G, it states that " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor '' I have not received either of the following from Bridgecrest, so they have violated this Congress law.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Portfolio recovery 's alleged debt, was disputed under ID theft, in 2017, at all three bureaus : XXXX, XXXX, and XXXX XXXX. I wrote them a certified letter requesting the validation of the debt, in accordance with FDCPA guidelines. They did not respond but continued to report the debt. They sent me a letter threatening legal action, and asking me not to respond if the debt was not mine ; Portfolio did none of the remedies provided by law under ID theft. 
They placed my numbers in call scammer and dialers. They ran my credit 5 times in the last year, without a debt, but rather with an alleged debt XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: WELLS FARGO & COMPANY
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: Problem with customer service

Complaint:
I applied for a new credit card for a balance transfer. I was approved on the XXXX of XXXX and received an email stating will take up to 2 weeks. Three weeks later it never went through, I called customer service several times during that time and got several dates about when account opened when it would go though. Finally I asked a supervisor if it can be stopped and I was informed no only way is to cancel the card I said ok cancel it, and they did. I called the following week because it showed that after I cancelled they went through. When I called again another supervisor informed me that it did not go through and I had nothing to worry about. I had to escalate it further to find out that it did go through even though was cancelled and they did not care that their representatives basically lied and did not clearly know their job.

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 2021-01-21
Company: AMERICAN EXPRESS COMPANY
State: TX
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 XX/XX/XXXX I purchased tickets for a football game ( XXXX @ XXXX  ) from the website XXXX. The cost of the tickets was {$1500.00} and the event was to be a celebration of my late father 's life with my family, my father loved the XXXX, and had passed away on XX/XX/XXXX due to covid. 

Our family purchased flights and hotel rooms to attend the event, and made plans. However, on XX/XX/XXXX, 4 hours before the event was to begin, the company sent an email explaining the event was no longer taking place at the time, and would be postponed. 

Additionally, the company did not even provide a rescheduled date until over 90 minutes AFTER the original event was about to start, providing no time or ability for us to make alternate arrangements with work schedules, or potentially even try to sell the tickets, as the company repeatedly removed our listing of the tickets so that we could not sell them! 

However, our family had no chance or ability to reschedule. The company sold us tickets to an event and then completely changed the date and time of the event, and refused to provide refunds. 

I disputed the transaction as dishonest, abusive and fraudulent, as the company changed the date and time of the event and provided no recourse to customers who spent hard earned money and time to attempt to attend but would no longer be able to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10
Company: Atlanticus Services Corporation
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint against Fortiva due to a dispute regarding their report of a late payment on my credit report. Fortiva stated on my XXXX statement that my XXXX payment of {$95.00} was past due. However, I made a payment of {$180.00} on XX/XX/XXXX, as clearly indicated in my XXXX statement. This discrepancy has significant implications for my credit score and financial credibility. 


Dispute Details : XXXX Payment : The XXXX statement indicated a minimum payment due of {$95.00} by XX/XX/2023. 

Fortiva 's Claim : On the XXXX statement, Fortiva reported that the XXXX payment was past due. 

My Action : I made a payment of {$180.00} on XX/XX/2023, as shown in my XXXX statement which covered the {$95.00} XXXX payment. Well within 30 days. 

Attempts to Resolve : I disputed this with the credit bureaus, presenting evidence of the payment made on XX/XX/2023. 

Despite this, XXXX 's dispute results indicated that the account remains reported as a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 i sent letters to Equifax, XXXX and XXXX to remove unauthorized accounts on my credit report that has been hurting my ability to move forward with my life. No investigation as been started to this day. 

1=Collection Bureau 2=XXXX XXXX XXXX 3=XXXX 3=XXXX XXXX XXXX It been over 30 days and now response form any of the credit bureaus on this matter. I need some kind of investigation done. Due to the Fair Reporting Credit Act if any investigation is not completed in 30 day but the credit bureaus all accounts in question must be deleted from that person report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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: Their investigation did not fix an error on your report

Complaint:
The account is not mine. No proof given that it was my account. XXXX and XXXX have deleted the account because it is not mine. The collection agency has not sent any of the requested documentation to me, proving this is my account. 
The collection agency is XXXX XXXX XXXX. I have contacted them directly, and they are refusing to remove the item. I also contacted Equifax by phone and mail disputing this account and I have not received any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America XX/XX/2023 An account was opened under my name and XXXX without verifying my identity through different documents ( photo ID, proof of address, etc.. ). The account was initially opened under my email, and did not need a confirmation code it was still able to be opened. 

The company closed the account and flagged it after I called and reported it. They also sent me a link to a guide on preventing Identity Theft. However, I am worried that this may happen again since there seems to be no precautionary action on their side to prevent someone from opening an account with just SSN and name.

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 2023-11-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023 I deposited a check into my BMO business account in the amount of {$11000.00} the check came from a account that I had closed once the account was closed they sent me my remaining funds in a check I then deposited it into my BMO account I was told the check will have a XXXX hold the XXXX XXXX  has been passed now they are telling me XXXX business days I have asked to speak with a supervisor concerning the matter on 3 different calls was told it can take up to XXXX still havent heard from them everytime I call Im getting told different things never getting a direct answer these funds are able to b verified because on the Check XXXX XXXX XXXXXXXX was the third party that cut the check I need this issue address as soon as possible

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
Company: EQUIFAX, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct XXXX XXXX opened XX/XX/2022, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent in numerous letters in with supporting information in regards to accounts listed on all three major credit bureaus ( Transunion, XXXX, and XXXX ) that are providing inaccurate, missing, and erroneous information. I have four collection accounts and two charge offs and they are all being reported inaccurately. The letters that I have sent in have been met with a response that state that they are verified and correct. I subscribe and pay for a credit monitoring service ( XXXX ) that shows that they are in fact NOT correct. I have received reponse letters from Transunion, XXXX and XXXX  all saying the same response and i have been met to no avail with any progress on getting these accounts deleted. Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have tried to have this account corrected multiple times even previously filing a complaint with the CFPB. This account was set to be removed from my credit report as of this year as it had been reporting past due payments since XX/XX/2015. This past month the payment history was updated to remove those past due payments to allow the account to remain on my credit report for more than 7 years. This is an unfair abusive and deceptive act. I am done dealing with XXXX XXXX and their continued practices and I am ready to file legal action against them. This account went into default over 7 years ago and needs to be removed from my credit report. Additionally, the last payment received on the account is not accurate as it was not the last voluntary payment made. The last payment on this account made by me was in 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2023 Chime sent me a temporary credit of {$450.00} for fraudulent activity happening in my account. XX/XX/2023 fraudulent activity happened again my account was at a balance of {$740.00} fraudulent activity occurred again. I regained access to my account filed a dispute and chime did not reimburse me for my money that was stolen by identity thieves. I have been fighting day after day since XXXX waiting patiently for there investigation team to pay me but that are committing fraud against me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America has as of this morning charged me {$170.00} in fees for their error that I reported in my previous complaint number XXXX. They have charged my checking account fees of {$35.00}, {$35.00}, {$35.00}, and {$12.00} on my Visa. Also the creditors that had to resubmit my checks to them charged me {$25.00}, {$35.00} and {$35.00} so I am no out {$170.00} in fees for Bank of America 's mistake. They had received {$7000.00} in my account and did not honor the items after the check had been deposited and they had received the funds from my bank. If I had not called this would be a bigger mess. Bank of America owes me {$170.00} in lost funds due to their errors.

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 2021-06-12
Company: MoneyLion Inc.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Money Lion debit card in the mail yesterday ( XX/XX/2021 ) that I did not order, request nor open in person/online. The debit card had an activation tel. number affixed to the new debit card. I went to their website and called XXXX which is their complaint debit card tel. number that is advertised. I spoke to a " XXXX '' who asked me for my last 4 digits of SSN or DOB. I reluctantly gave him my last 4 digits of my SSN and told him repeatedly that I did not open the account tied to the debit card received nor any other accounts with Money Lion. I also did not ever activate nor give anybody at Money Lion permission to activate it during the course of my telephone call. 

I suspected this was opened by the same perpetrators who filed for a fraudulent RI Unemployment Benefits under my name on XX/XX/2021 ( I already filed a RI State Police report on this incident ). XXXX @ XXXX XXXX said he would close the account, but did not give me any details of what was opened using my name/address/identification or how many financial services were opened at Money Lion. XXXX also instructed me to cut up the card. I gave him my email address to send me confirmation of the account closure, which I did receive after the call was concluded. 

Prior to contacting Money Lion on the phone, as indicated above, I filed a local police report on the matter of the debit card received ( i.e. financial identity theft ). The police officer said he would log my report, but would not have it completed in writing for another couple of days - he recommended I contact Money Lion regardless, which I did.

Company response to consumer: Closed with explanation