BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: Bridgecrest Acceptance Corporation
State: NY
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 had two auto loans with Bridgecrest, one that was paid off early, the other since 2018. Until issues related to the pandemic, I have made timely payments. Because of the pandemic and my mother being treated for XXXX, I temporarily had unexpected closure of two of my companies and made all of my payments in a timely manner or received forbearance.

Additionally, my checking account was hit with fraud and it took over 90 days to resolve.

I was using an app called Prism to pay bills and the app malfunctioned and did not update my new banking info for drafts and did not send two payments and as soon as I got this resolved, I paid the payments. Bridgecrest has reported 2-3 late payments on loan and I asked them to, as a courtesy, given that I have always payed timely, to remove the late payment reporting from all credit bureaus so that I could be approved for a mortgage. They called saying that they are unwilling to remove the reporting. 

Since the billing issue was promptly resolved, I have made timely payments, as I had up to that point and it is completely at their discretion to do a good faith removal of the negative reporting. 

By obtaining the HELOC, I am able to pay off the auto loan and my credit cards and also purchase equipment needed ro expand my transportation company with our XXXX XXXX XXXX. Their unwillingness to make a good faith removal is hampering my ability to take care of my elderly mother and child.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The U.S. Department of Education has illegally re-aged my account and has refused to deliver any documents and payment history regarding my account. These are serious violations of the FCRA, and are causing severe damage to my credit reports. I have been in communication with the U.S Department of Education since XXXX of XXXX. I sent an official letter on XX/XX/2022, requesting any and all information on my account, including the date of first delinquency. These documents have not been furnished, I have sent other letters from XXXX, XXXX. XXXX, XXXX, XXXX of XXXX and still not received any documentation and the illegally re-aged accounts are still on my credit report, when they are too old to be on my credit report.

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 2022-05-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account number 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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2023-01-14
Company: Experian Information Solutions 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:
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 VSC 1681 XXXX Account # XXXX has violated my rights 15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 non-monetary relief
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX  days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have received a copy of my credit report, and Im disputing the following information that appears on my Trans Union report. 
XXXX XXXX XXXX XXXX has fraudulently reported on my Trans Union record. I am a victim of identity theft and I never opened this account. Please remove this in accurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that this be removed completely and permanently from my credit report immediately. 
I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

Sincerely, 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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 multiple late payments on my account that are inaccurate and I tried resolving the issue with the reporting agencies in which they responded with " account verified ''. I was never provided a copy of how the account was verified and my report is still showing these inaccurate late payments for XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; and XXXX XXXX XXXX, XX/XX/XXXX. I have sent in multiple letters requesting that these late payments be removed because they are inaccurate and wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have some collections as well as a DISMISSED bankruptcy that is reporting on my credit ; I have disputed these items with the bureaus since XX/XX/XXXX. They never advised me if they started the investigation to validate these items, so I disputed again on XX/XX/XXXX. I still never received any correspondence from the bureaus so on XX/XX/XXXX I sent ANOTHER dispute. I am hoping that the bureaus finally do as they are LEGALLY supposed to, and submit these disputes to the creditors to validate.

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 2019-08-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a very difficult time with Wells Fargo. I have tried and tried to save my home through a modification program. I did receive a modification program earlier. I tried to make my 3rd trial payment at the Wells Fargo bank and the teller would not take the payment. This caused me to go back into foreclosure. Over the past 6 months I have been trying to resolve this problem. I did not receive much help from the reps at Wells Fargo. Every time I sent my paper work in, they would lose it and I would have to resend. I would like to avoid a foreclosure.

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 2019-10-04
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Yesterday morning, friend attempted to send me an instant cash transfer of $ XXXX from his city of XXXX, NC to mine, XXXX XXXX, CA using Western Union. At the office he visited on XXXX XXXX in XXXX, he was charged {$230.00} to send $ XXXX and was told the money would be available right away. He handed over {$4200.00} -- in cash, not using a check, just plain cash! -- to the Western Union cashier. He was given a receipt with a transfer tracking number associated with it. Moreover, despite him telling the cashier how to spell my first name ( XXXX ) three times, he misspelled it, " XXXX. '' My friend called the 800 number immediately to get this resolved, and they promised to resolve it and call him right back -- and they did not do so. 

As of the evening ( PST ), four hours later, I went to the Western Union on XXXX XXXX. in XXXX, CA, gave them the tracking number ( XXXX ), and attempted to get my $ XXXX. They told me that there was no transfer associated with that number. I tried to get the cashier to speak with my friend who was on the phone from NC. My friend also sent me a photo of his paper receipt, but the agent would not even look at it. He claimed that their office is a " third party provider '' with no access to any information, and that my friend would simply need to call the 800 number. When he called the 800 number, the person on the line said that the transfer was " under review '' but they would not connect him with the unit reviewing his ( cash! ) transfer. They said they would call him within 2 hours, but that commitment was not kept. They never called him yesterday. 

Today, my friend ( the money sender ) called once again to see what was going on with his/my cash. At this point, a Western Union supervisor told him that because of the size of the transfer, it was on hold and under review for 48 hours -- a different set of excuses than yesterday 's ( the 2 hour review period ) on the same 800 number. No one had told him this when he handed over {$4200.00} in cash at the  office in NC -- they gave him the impression that it was an instant transfer. Had we known of this 48 hour delay, my friend simply would have XXXX XXXX me a cashier 's check from his bank, and I would already have it, today -- for about 10 % of the cost! 

Western Union has {$4200.00} of our money and has been deceitful about the process. They advertised an instant transfer, which is why we used them instead of overnighting a bank check. But this was a lie. They still have our $ XXXX, and they have charged us {$230.00} for deceitful service. It not only feels like usury, but at this point, with our money missing, it is plain corporate theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for the income-driven repayment SAVE repayment plan through the studentaid.gov website on XX/XX/XXXX, the same day I applied for PSLF with my employer information. When I applied, it was estimated I would owe $ XXXX on the SAVE plan due to my previous tax information. At the time, my loan servicer was XXXX, who I have never had issues with. I then received notification my loans were being transferred to MOHELA. I began receiving different billing statements from MOHELA, one stating I owed {$350.00} on XX/XX/XXXX, and another stating I owed upwards of {$850.00} in XXXX of XXXX. I reapplied for SAVE on XX/XX/XXXX and XX/XX/XXXX after contacting studentaid.gov and being told they did not have any information and I would need to reach out to MOHELA. I was unable to contact MOHELA. I waited on hold for hours before having to hang up due to working. I sent an email and received notification back that I would hear back in two business days, but weeks later I still have not received a response. Finally, I called and waited on hold for upwards of two hours on XX/XX/XXXX and spoke to a MOHELA rep who told me my initial SAVE application from XXXX was probably " lost in the transfer '' and that it was good I resubmitted a SAVE application on XX/XX/XXXX. This rep told me it would only take 5-7 business days to process my SAVE application and I would not have to pay any of the payments I was billed for in XXXX. After XXXX business days went by with no notifications, I called and sat on hold with MOHELA for three hours to be told that it would actually take 90 days to process my SAVE application and I was already being auto-debited in the mean time for the {$350.00} bill. I asked if there was any way this could be cancelled due to this being an error on the part of MOHELA, and I was told that they didn't know. As a social worker new out of graduate school, this payment is not realistic for me. I feel as though MOHELA can not give me clear answers as to what happened to my original SAVE application and I am told conflicting information each time I call. Their mistakes are costing me money I do not have and I need clarification on where my loans are at. 

Update as of XX/XX/XXXX : Mohela told me they would place ALL of my loans in administrative forbearance while they attempt to process my resubmitted SAVE application. I received an email from studentaid.gov stating I missed a student loan payment, due to Mohela putting ALL BUT ONE of my loans in administrative forbearance without explanation, after I was told all of my loans would be in forbearance. This has very real and dire consequences on my life, my financial wellbeing, and my ability to remain in the PSLF program. This is completely unacceptable and this company 's errors are costing me everything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: WELLS FARGO & COMPANY
State: AZ
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:
XX/XX/2019, Wells Fargo/XXXX XXXX XXXX XXXX refuses to take off the hard inquiry off my credit reports. This is part two of my first complaint. 
The representative said -they can't take it off because of FDIC.I told her she is wrong. 
I asked her what law supports your position? I was told it would be a SOFT inquiry by XXXX 's cashier. It was a hard inquiry the next day on my credit reports. 
These 2 businesses are ONE together. 
As a kind business gesture, I am asking again to Well 's Fargo/XXXX XXXX XXXX XXXX to REMOVE this hard inquiry for it was misrepresented by your employee to me. 
Please confirm with a letter to me you did this.

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 2019-10-04
Company: National Credit Systems,Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
National credit system this is not mine someone use my identity and received this lease under my name I need it of my credit I deman it of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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:
the XXXX credit bureaus ( XXXX, XXXX, Experian ) are violating my rights to privacy by reporting on my personal credit, and bankruptcies without my consent. 
Laws violated ; 15 U.S.C. 1681 # 5 15 U.S.C. 1681 # XXXX XXXX CASES AND NUMBERS ; Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX Case # XXXX 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 explanation
Consumer complaint received 2023-02-24
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX put 2 debts on my credit report that were not mine. The accounts had been placed on my account back in XXXX  and still on my credit report to this day. When I actually started to dispute the items, the name on both accounts were not mine. Our names were simular, ( my name, XXXX XXXX XXXX ), ( her name, XXXX XXXX ), I found out later that XXXX  sold the account to Resurgent. So, I contacted them over and over about the situation. I disputed over and over again with resurgent. Once I laid out the foot work as to how the accounts suddenly appeared on credit report, Resurgent LOCKED ME OUT OF MY COLLECTION ACCOUNT. But, before they did, I wrote down the individual 's information. I immediately wrote to the individual to make her aware of the circumstance.I told her that she needs to rectify the situation or I will be reporting the incident to the police, ( which I did because she never replied ). I again tried to get into the acccount with Resurgent, they still had me locked out. So I told them of the steps that I was taking due to the fact, that they had ruined my credit since XXXX  and that I will be suing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Carter-Young, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against CARTER-YOUNG because they are attempting to collect a debt that I do not owe them. Account Name : CARTER-YOUNG, Account Number : XXXX Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that your investigation was complete. 
1. What certified documents were reviewed to conclude your investigation? 
XXXX. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? 
b. What was the date? 
c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor?

Company response to consumer: Closed with explanation