BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: Bridgecrest Acceptance Corporation
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:
In Accordance with the Fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have a right to privacy.15 U.S.C 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open end 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 explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NC
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 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear truist, I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the handling of a dispute I filed concerning a recent transaction. 

On XX/XX/23, I initiated a dispute with your bank regarding a purchase I made. I clearly communicated that I did not receive the item as described, and it was missing essential parts. To my dismay, it appears my concerns fell on deaf ears, as I received a letter advising me to wait until the package arrives before disputing the transaction. 

In an attempt to rectify the situation, I promptly called your customer service line to clarify that I had indeed received the package but that it did not contain the expected contents. During this call, I spoke with a lady from XXXX who acknowledged the mistake made by her colleague and assured me that she would take care of the issue. 

Regrettably, despite her assurances, no action has been taken to address the missing parts, and the matter remains unresolved. This has led to significant inconvenience and frustration on my part, as I am left with an incomplete item that does not serve its intended purpose. 

I understand that mistakes can happen, but the lack of follow-through and resolution after acknowledging the error is disheartening. I am exhausted from going round and round in this process without a tangible solution. 

I implore you to expedite the resolution of this matter and ensure that the missing parts are shipped to me at the earliest convenience. I believe a prompt and effective resolution is crucial in maintaining the trust and satisfaction of your customers. 

If necessary, I am prepared to escalate this matter further, including seeking assistance from relevant regulatory bodies. However, I sincerely hope it does not come to that and that your bank can swiftly address and rectify this situation. 

I appreciate your immediate attention to this matter and look forward to a resolution. 

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 2023-12-15
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
In XXXX of XXXX  I purchased a car the motor blew up within a about 3 days of the purchase i returned it to CLAY COOLEY MOTOR CO XXXX XXXX XXXX XXXX XXXX, TX XXXX and chose not to purchase at all because I felt that they had wronged me in the sale of the car. They submitted this item to my credit report as a charge off, when it should have never been applied to my account. This charge off has cause hardship in not being able to purchase a new car and continues to create issues for me financially damaging the moral of my credit worthiness when I was initially wrong. In this case I would like to request that they remove this item from my credit report as this was not my purchase. And I am not to be held responsible for the car. So that I can move along. But I have not been able to do so because they have this item on my record as a repression while, I waited for a very long time for answers on getting the car repaired. this event ultimately caused stress and put me into an early XXXX, and I was not in any position to be able to dispute this item.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
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:
This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights, which needs your conformity utilizing the law. Please delete this from my file. 

Bankruptcy XXXX XXXX Filed on XX/XX/2017 Reference number : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: MD
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:
This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XX/XX/2022

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 2023-12-15
Company: Genesis FS Card Services, Inc.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Concora Credit Destiny Mastercard Credit Cards and account : XXXX and XXXX was lost/stolen and theres fraudulent transactions and payments that was made on my account. All of the transactions and payments that was made on my Destiny Mastercard credit card account are fraudulent transactions and payments and not my transactions or payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Upgrade, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are a predatory lenders who are intentionally reporting erroneous late payments for XXXX and XX/XX/XXXX XXXX 
XXXX ) For XXXX, XXXX and XXXX XXXX XXXX, I entered into a hardship program with Upgrade. My payments were interest payments around {$78.00} agreed upon by the Upgrade finance departments. Every conversation is recorded where it was explained to me that once you enter into a hardship plan, your normal payments against the balance are place at the " END OF THE LOAN ''. When I would expect to pay back a larger amount when the loan closes. However, someone at Upgrade keeps placing those hardship payment totals back to the FRONT of the loan. And during this hardship time, Upgrade can not submit any NEGATIVE reporting to the credit bureaus. This is against their own policy. After 3 months of hardship payments, I resumed my normal payments between $ XXXX per month. I did that. 

2 ) Once in XXXX XXXX XXXX  my bank ( XXXX ) returned my payment, Once I became aware, I made restitution right away. Upgrade went straight away and erroneously reported 60 days late twice and 30 day slate twice. Knowing that until then I had never been late, nor missed a payment. 

3 ) Upgrade blocks my payment history from my view online for anything past the most recent 4 months. I can not prove to them their error because I can not review what they're reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I lost XXXX ( XXXX ) Months ' worth of XXXX Benefits that were SUPPOSED to be deposited into My Chase Checking and Savings Accounts due to an alleged Garnishment Lien. This was until I was able to find a bank that would allow me to open an account. I demanded Copies of the Paperwork proving the Garnishment Lien but the Chase Bank on XXXX XXXX in XXXX, Colorado Refused. In NO COURT within the State of Colorado was there Complaint for or Request of a Garnishment Lien EVER FILED. If it involved ANY student loans, I was Documented, Diagnosed AND ( not or like within the law ) Regarded as being XXXX XXXXXXXX and a Qualified Individual with a XXXX pursuant to the XXXX XXXX XXXXXXXX XXXX. I was NEVER Legally Served with a Complaint for or Request of a Garnishment Lien. The Loss of My XXXX XXXX Benefits was a DIRECT Cause to me being Evicted, the Loss of ALL My Furniture\Property with an Estimated Worth of {$90000.00}. As far as I Know, there is STILL a Complaint for or Request of a Garnishment Lien against me. It WAS ONLY after I Incorporated Myself as an XXXX XXXX XXXX did I begin receiving My Benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX Re : Improper debt validation and continued collection activity Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom may concern I originally filed A XXXX complaint against the company listed above. This company has conducted an improper debt validation and they have not supplied required documents .I have included my initial complaint and the company response. This company said that they would cease debt collection activity but it is my responsibility to contact the consumer reporting Agency? This company has not ceased communication they have brought great harm to my credit score and they have continue collection practices with validating the debt? 

1. Waypoint Resource group has not supplied a copy of the original application.

2. Full payment history from the original creditor was not provided.

3. An itemization of the current amount of the debt that reflects interest, fees, payments, and credit since a particular date that I may be able to recognize or verify records was not provided.

4. Waypoint Resource Group failed to provided any of the requested information above, they cant legally collect this debt at this time they are in clear violation of the FDCPA.

I ask in kind that Waypoint Resource Group stop cease all collection activity and I demand that this account be deleted from my consumer credit file immediately 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 2023-12-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit 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:
XX/XX/23 I first arrived at a hotel I booked for my family in XXXX. The name is XXXX, but it was a XXXX The way the receptionist greeted us was rude. I asked for an upgrade option, but he laughed and answered in a XXXX manner that we need to contact who ever we booked with. The rooms have no bathroom inside. The shared bathroom and restroom are dirty and no gender separation. We came back down and asked for a refund. Again, the receptionist told us to contact the site we booked with. We contacted the site, which is XXXX. They said we need to stay 1 day, and they will contact again tomorrow. After laying om the bed for a while, I got bed bug onto my arms and back. I decided to book another hotels and moved immediately. Now Im asking for a full refund. They didnt. So I disputed with my bank. The dispute also got denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter requesting to verify and validate debt on XX/XX/XXXX and to give me information that they are able to collect. I also informed in the letter that I have not received any information from them about the debt they are attempting to collect I was not aware. So on XX/XX/XXXX submitted a disputes with all three credit agencies as unknown or dont because I did not know this was a debt that was being collected on only response was that the information was accurate and nothing else. They have also updated on my credit every month under two different names Resurgent and LvNV funding. They have two accounts reporting negatively on my credit report and is preventing me from buying a home. This is not right I did not know that they were attempting to collect any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TN
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I, XXXX XXXX XXXX, am composing this correspondence to formally dispute the inclusion of specific address data within my credit profile, as maintained by your esteemed agency. The contested addresses are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses fail to accurately reflect my current mailing residence. It is my contention that the aforementioned data contravenes the mandates set forth in the Fair Credit Reporting Act ( FCRA ), particularly as delineated within Section 605B. I hereby exercise my rights pursuant to this statutory provision and insist upon an expeditious investigation and rectification of this incongruity. 

FCRA Section 605B imposes upon credit reporting agencies the responsibility to establish and enact reasonable policies and procedures in response to notices of address discrepancy. Such protocols are designed to ascertain the veracity of consumer data, ensuring its accuracy, and facilitating the transmission of correct addresses to the pertinent consumer reporting agency. 

Enclosed herewith are corroborative documents substantiating my presently accurate and valid mailing address. I beseech your thorough inquiry into this matter, and I anticipate the expeditious amendment of my credit dossier in alignment with the documented veracity. 

I trust that your expeditious attention to this matter will obviate the necessity for further legal recourse. Thank you for your anticipated cooperation in resolving this matter judiciously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NJ
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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
We are selling our home to purchase another. My lawyer tried to contact mortgage company which said I have to call. I have tried to call multiple times and login but there was a breech. Now I can not close with funds until resolved. I was never notified that I would not be able to access my account. I can not login for statements nor make a payment.

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 2023-12-13
Company: EQUIFAX, INC.
State: PA
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 submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation