BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-13
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I bought a XXXX XXXX XXXX XXXX from XXXX XXXX Bridgecrest on XX/XX/XXXX for XXXX Plus I also added three extra services because it was used, and I wanted to make sure it was covered in case of a breakdown, loss, damaged, or totaled. So I paid XXXX for Gap, and XXXX for motion Gps and, XXXX for XXXX XXXX coverage for maintance issues. will on XX/XX/XXXX I was in a auto accident, and the car was deemed a total loss. I was rushed to XXXX XXXX at XXXX in XXXX XXXX for a XXXX XXXX, and was in XXXX. I filed a claim, and the insurnace and, Bridegcreast agreed to a settlement amount of XXXX My insurance sent a check in XXXX and, another in XXXX. Gap also applied XXXX and, I had made payments in the amount of XXXX. I never did get a refund on my warrantys even after I canceled them acording to XXXX it was applied to my balance. The car was only XXXX dollars, I only had the car nine months. Bridgecrest charged off my account, even after they got over XXXX. That is odd because they got payments in XXXX XXXX XXXX. I spoke to XXXX from Bridgecrest on XX/XX/XXXX and, he told me that the account was paid and, that they report to the credit companys at the end of the month, and it would say paid. I am being charged interst on a car I only had for nine months. They basicly got almost the full contract as, if I had the car for the full 65 month term. This is wrong. This account should not be charged off as, they where getting payments from the insurance companys that I paid for those inruances to cover things like this. It should count as, payments that I made. the car was a XXXX car that I had for only nine months but yet Bridecrest got basicly XXXX and is still trying to claim I owe XXXX they reported it to my credit reports all three. so in fact they are trying to get the full interest for the full 65 months, and the prinpicle balance, when I should only be charged interest for the time I had the car which was only nine months, its a simple interest contract, and you got payments in XXXX XXXX XXXX XXXX I should have only been 30 days late for XXXX. I also want to add that even after I signed the car over I still made payments to the lien holder. I was in XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX I told Bridgecrest this, but they did not care.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-22
Company: CCS Financial Services, Inc.
State: MD
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:
Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Re : Dispute and Request for Debt Validation Reference Number : XXXX Date of Receipt : XX/XX/23 To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt associated with the above-referenced account. I received a notice from Credit Collection Services regarding this debt on XX/XX/23, as indicated by the reference number mentioned above. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ), which allows me to request written verification of this debt.

Please provide the following information to validate the debt : 1. The name and contact information of the original creditor.

2. The original account number, if different from the one mentioned.

3. Detailed documentation confirming the amount owed, including a full account statement.

4. Proof of your authorization to collect this debt.

5. Any applicable agreements or contracts bearing my signature. 

I request that you cease all collection efforts and refrain from reporting this alleged debt to any credit reporting agencies until the debt is validated per my request. Failure to provide proper validation within 30 days from the date of this letter will result in a formal cease and desist order, and I will consider taking legal action to protect my rights under the FDCPA. 

Please reply in writing to the address provided above. Do not contact me by phone, as I prefer all communication to be documented. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account 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 explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-03-04
Company: Experian Information Solutions 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:
XXXX and Experian are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : 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 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 The accounts above have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-11-11
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2016 Loan Type XXXX XXXX  ACCOUNT Past Due {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2019-11-22
Company: CITIBANK, N.A.
State: NC
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:
In XX/XX/2019 I opened a secured credit card account with CitiBank in the amount of {$1000.00}. Under the agreement of the secured account my credit limit would be equal to my deposit. I have paid my monthly bill on time every month without any problems. On XX/XX/2019 Citibank Approved a transaction in the amount of {$2200.00} without my approval and a amount that was {$1200.00} over my credit limit. The charge was a overcharge from a car rental place. I filed a dispute and Citibank sided with the car rental place, even after admitting I never gave the car company authorization. Citibank has the paperwork that clearly shows I never signed the agreement. Citibank will not fix the problem or explain how My account was charged {$2200.00} with my credit limit only being {$1000.00}. Whose to stop them from approving a {$100000.00} charge then telling me I owe them? This charge should had never been approved and definitely should not have sides with the merchant if the agreement was never signed. I have the documents but Citibank uses a complicated process for documents that prevents you from downloading or printing the files?

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 2023-09-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-07-05
Company: EQUIFAX, 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:
consumer rights to privacy and confidentiality under 15 USC 1681. 

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 ( inquiry ) XX/XX/XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Request for Investigation, Rectification, and Compensation for Financial Hardship, Emotional Distress, and Mental Anguish Dear CFPB, I am writing to urgently bring to your attention a pressing issue concerning my credit report maintained by Experian. Despite my efforts to dispute and rectify inaccuracies, Experian has persistently refused to take appropriate action. This situation has not only caused financial hardship but has also inflicted significant emotional distress and mental anguish upon me. 
The inaccurate information in question " XXXX, '' has resulted in severe financial consequences, including the denial of credit, increased interest rates, and missed opportunities. I possess an adverse action letter confirming that I was denied credit due to Experian 's inaccurate information, which has had cascading effects. 
Specifically, I have been unable to obtain loans, secure a credit card, purchase a car, and realize my dream of homeownershipall due to Experian 's refusal to rectify these inaccuracies. 
Moreover, the ongoing ordeal has taken a considerable toll on my emotional well-being, causing me substantial distress and XXXX. The frustration and uncertainty associated with these inaccuracies have led to mental anguish that affects my overall quality of life. 
In addition to requesting that the CFPB investigate this matter and compel Experian to investigate and remove the inaccuracies as mandated by the Fair Credit Reporting Act ( FCRA ), I humbly request compensation for the financial hardship, emotional distress, and mental anguish I have endured as a result of Experian 's refusal to rectify the situation. 
I believe that a fair resolution should include appropriate compensation to help mitigate the adverse effects this has had on my life. I have attached copies of relevant documents and correspondence with Experian, including the adverse action letter, for your reference. 
Please let me know if any additional information is needed to facilitate this investigation and compensation request. Your prompt attention to this matter is greatly appreciated, and I trust that the CFPB will uphold its commitment to consumer protection. 

Sincerely, XXXX XXXX XXXX Enclosures : CREDIT REPORT ADVERSE ACTION LETTERS NOTICE OF DISPUTE DEBT VALIDATION LETTER PRE ARBITRATION SETTLEMENT DEMAND OFFER INITIATION ARBITRATION LETTER REQUEST FOR ARBITRATION COST LETTER AFFIDAVIT OF TRUTH

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 2023-09-14
Company: PNC Bank N.A.
State: MI
Product: Credit reporting 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'm submitting this compliant due to the negative information that XXXX XXXX XXXX XXXX XXXX has reported in my banking report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 

Description of Dispute : XXXX XXXX XXXX is reporting multiple negative accounts with my personal information such as, XXXX XXXX XXXX : Incident date : XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX reporting a negative balance of $ XXXX. 
XXXX XXXX : Incident date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX. 

XXXX XXXX : Incident date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX Fee reversal : $ XXXX. 

XXXX XXXX : Open date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting an Overdrawn account. 

XXXX XXXX : Open Date XX/XX/XXXX, Closed Date : XX/XX/XXXX Banking Routing # XXXX, Account # XXXX. Account Status : Closed for Cause-Purged of ALLY BANK : Open Date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a closed account. Reason for dispute account was never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently discovered that in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The account starting in XXXX of 2021, XXXX of 2021, are the accounts in question. Knowing that 15 USC 1681 section 602 A : states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions, neither allowing by act 15 U.S.C 1681c. ( a ) ( 5 ) stating no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Lastly and ultimately, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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