BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I purchased a used XXXX XXXX through BridgecrestXXXX. I am a XXXX XXXX XXXX XXXX woman. XXXX tore a tornado through my family. I had XXXX members of my family XXXX in the past XXXX years. I was laid off as a XXXX XXXX. I was able to make payments thru to XX/XX/XXXX. I did contact Bridgecrest many many times. Bridgecrest refused to make payment arrangement, refused to give me any details about my account. I did file a request to reopen a bankruptcy case just to deal with the financial fallout of XXXX. I was impacted. Its hard enough for a XXXX XXXX old woman ( XXXX ) to get employment. I joke that when I find a job the recession will be over. Its true. 

Bridgecrest sent me the following letter telling me that they will repossess the car. They do not state what amount I owe. There is no information on their website. They claim that I don't take their calls. I have never received a call that says Bridgecrest on the caller id. 

I am XXXX and being without a car is an extreme hardship. Bridgecrest has thwarted every attempt of mine to ask what amount is owing. The car is not worth now what it was in XXXX. It is a XXXX year old XXXX. Although XXXX XXXX are in high demand it still is a XXXX year old car. I am aware that I am probably upside down on the loan. I am actively looking for work and I have two upcoming job interviews. The last thing I need in the middle of this is Bridgecrest. 

Bridgecrest wants to have their cake and eat it too. They want to seize the car, sell it and still make me owe on the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
It has been an absolute nightmare trying to use Bank of AmericaXXXX credit card while traveling abroad. I let them know I would be gone for several months, but my card was still flagged and frozen, and the only option to continue using it is to travel hundreds or thousands of miles to the the nearest physical location despite multiple calls, offering to answer security questions, offering to have a family member take copies of my passport into an office, despite having access to all of the account contact methods ( phone, email, physical address ). It is absolutely ridiculous to have such customer service in the XXXX century.

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 2023-09-08
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am unable to pull the information. However, I received overdraft fees. My personal Information was also leaked through a breach in the company.

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 2022-12-30
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last payment was sent in XX/XX/2020 which was right before the pandemic went worldwide, XXXX XXXX XXXX were closed and I did not have any means to pay since i was out of work for a few months. After I went back to work many XXXX XXXX  were still closed so I waiting until I received a statement or letter from them which never arrived until recently. Now they are charging the wrong amount for non payment. I was owing {$700.00} and now they are charging me {$2000.00}. I do not owe this amount which would have me paying the debt all over again. Please look into this for me since I am not owing the amount they claim. I have no problem paying what I owe but I can not afford to pay the debt again from the beginning amount. They have already collected over {$3000.00} in interest from me XXXX was more than the debt. 
Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently seen some inaccurate and incomplete information on my credit report from the CRA 's ( transunion, XXXX, and XXXX ). I sent them dispute letters on XXXX XXXX, requesting documentation and the validity of the alleged debts, 15 USC 1681 and have not yet received anything. 
XXXX certified # XXXX XXXX XXXX XXXX XXXX Transunion # 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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 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 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 2023-08-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 noticed Navy Federal Credit Union has a history of deceptive debt collection practices here -- -> XXXX XXXX  XXXX Below is what I wrote to them : I am having an extreme financial hardship and {$1200.00} was transferred to a delinquent XXXX credit card ending in XXXX automatically from my checking without my consent. This is a policy I have never seen at any other bank and I wasn't clearly notified this would happen. I needed that for living expenses. 

In fact, it actually came from my business account ( which I am waiting on a new card ) so it would have never even happened, I was only transferring it to my person to use that card in the meantime, that's it. 

I am a 100 % XXXX veteran waiting on social security XXXX insurance ( XXXX  ). My next hearing is on XX/XX/23 where they make a determination on my case and backpay for the last three years I have been waiting. 

The screenshot of the XXXX hearing and the amount transferred if attached. I did talk to the collections agent who only could reverse the recent transaction of {$43.00}, and that hasn't happened either, so I was lied to. 

This is making me not want to bank with Navy Federal at all, although I know you have to collect debts, to collect them against a consumer 's will is unethical and I don't remember the credit card application making that clear. It was one of those things in the " fine print ''. 

This is a shame as this bank is for XXXX XXXX service members and veterans, so there was a degree of trust in selecting you. XXXX is FAR better I have realized and I have had them for over 12 years. At the bare minimum, I will be writing poor reviews about these tactics and when I get the chance, I will no longer bank with NFCU. I also have finance lawyers IF NEEDED, but this is ridiculous. 

I have had to change old banks for other practices that were not right which later got the banks sued like XXXX XXXX and XXXX XXXX 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 2023-07-25
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a Summons to court for XX/XX/XXXX with attached billing type of documentation that had only my first and last name on it, with no reference to a billing address, and only referenced the last XXXX digits of an account number. I have not had any communication that I know of from this debt collector. I do not recognize this debt or having a credit account with the referenced creditor. I do not have any record of payments being made by me to this creditor, though the statements say payments were being made apparently at some point. Also the provided statements show a card security fee being charged, which upon inquiry I was told it was something that was a type of service that would have paid the owed balance in full upon default, and that if this was legitimate, it should have not been sold to the debt buyer, XXXX XXXX, in the first place. The statement provided is dated for XX/XX/XXXX. I was advised by a lawyer that this debt is most likely identity theft, since the security service was purchased, as the claim amount is relatively low at {$2600.00}, and am retaining a lawyer for all communications, including with the company, and had been advised to not acknowledge the summons, as it could be construed as an admission to validity of the debt. This research has taken longer than expected, therefore the date of this complaint that I have been advised to submit personally after the fact.

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 2022-11-03
Company: EQUIFAX, INC.
State: LA
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive had fraud on my account which the bank refuses to accept that is not my fault. They wont give provisional credit or approve the fraud charges. I have direct deposits that come in every Thursday night, and the bank is flat out refusing to stop the direct deposit. Because of that, I wont be able to access any of my deposit because they want to keep the money. I know they can stop the direct deposit, so my company can put it in my other account but the bank refuses to allow this to happen. The complaints I found online shows that they have done this to numerous other veterans, and its not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: MD
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-04-08
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: MOHELA
State: AZ
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:
Mohela is my servicer and I have had multiple issues with them with little to no responses. For example a message I sent on XX/XX/XXXX was just responded to today XX/XX/XXXX ... and it did not fully answer my inquiry. Very difficult to get in touch with them by phone also, I do not have time to sit on hold for several hours ... as I have tried in the past. I have not gotten the info requested about the forbearance that I was on- I wanted to make sure that I would still be eligible for PSLF payment counts. I had them remove the forbearance to be safe ... after repeated messages to them they did remove the forbearance, messages which say a 2-3 day response time, are being responded to over 6 weeks later. I also have had wrong payment amounts for the SAVE plan- I was automatically switched to a slightly lower payment of approx {$750.00}. When I ran the numbers, the payment should be between {$400.00} and {$500.00}. I redid the SAVE application and payment was lowered to approx {$610.00}. 
Another issue is that I had no notification of the original payment being due, I happened to see it in my online account. The payment was approx {$750.00} and I made the payment on XX/XX/XXXX for {$750.00}. I then noticed when I signed in on XX/XX/XXXX that they said I was past due in the amount of {$17.00} ... .so I made that payment on XX/XX/XXXX. I then saw that I continued to be past due XXXX on XX/XX/XXXX after paying above the minimum payment due. I contacted them on XX/XX/XXXX and still have not gotten a response to my inquiry. 
I am also a member of the XXXX XXXXXXXX XXXX XXXX and have been unable to get ANY info from Mohela or Dept of Ed about the status or the amount that will be forgiven/refunded. I do not trust Mohela in this. I am also concerned because they are moving to a new platform... I feel this will cause more issues and also allow them to " have a new excuse '' for their ineptness. 
The interest rate shown on my payment info is the highest rate out of all of my loans and I am concerned they are charging that across all of my loans. Numbers don't seem to be adding up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Resurgent Capital Services L.P.
State: NJ
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 company is LVNV funding that has put on my credit profile two accounts alleging I owe them. I have contacted them through mail and phone explaining I dont know who they are and have never entered into any contractual agreement with their company. I further requested validation of any debt via a contract containing my signature in which they have not yet produced. I also explained that this is damaging to my credit profile prohibiting me from obtaining future credit thus creating a hardship for me. I explained Im well aware of my consumer rights and laws and they are in complete violation and need to be held accountable these are the account numbers acct # XXXX and acct # XXXX. Thank you

Company response to consumer: Closed with explanation