BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I hope this message finds you well. My name is XXXX, and I am writing to express my deep concerns regarding my current loan with Bridgecrest, a third-party vendor of XXXX. 

Approximately three years ago, I entered into a loan agreement with Bridgecrest for a vehicle. Unfortunately, my experience with the vehicle has been extremely unsatisfactory. Just two days after taking ownership of the car, it stalled unexpectedly. As per Bridgecrest 's recommendation, I promptly had the vehicle inspected and repaired by their designated mechanic. Regrettably, I was not provided with a detailed invoice specifying the repairs undertaken, as Bridgecrest covered the expenses under their warranty. 

Despite my ongoing efforts to maintain the vehicle, including several self-financed servicing attempts costing me thousands of dollars, I have continued to face recurring issues with the car, specifically, it stalling out unexpectedly. I have reached out to Bridgecrest on multiple occasions to report the recurring issues and explore potential solutions, such as obtaining a replacement vehicle that is in working condition. However, I have been informed that there is no available recourse to address the persisting problems with the car. 

Furthermore, my financial burden is exacerbated by the fact that I still owe approximately {$12000.00} on a vehicle that, according to current market assessments, is valued at only {$3000.00}. This stark disparity between the remaining loan balance and the vehicle 's depreciated value is a significant concern. 

Given this challenging situation, I have considered the option of a voluntary repossession. However, I have learned that this action would result in the retention of my {$12000.00} debt, along with a detrimental impact of XXXX points on my credit score. 

I am writing with the hope of seeking a fair resolution to this predicament. I kindly request that Bridgecrest reevaluate my case and explore potential solutions that can alleviate the financial and operational burdens I currently face with the vehicle in question. Your assistance and prompt attention to this matter would be greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: BAM Management US Holdings Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hello, First, thank you for your time in advance. I know yall are super busy. I will include specifics and attachments down below. 

-- -- using a wallet with XXXX platform I transferred over BNB ( Binance 's XXXX coin ) to another wallet with Binance.us -- -- the funds show as successfully sent from XXXX but the funds never arrived in my binance.us wallet. I double checked and copied and pasted the destination wallet address that I was sending it to Please help me, Binance.us has no one to help on the phone or email. They are ignoring my plead for my money. Even reached out on XXXX to no avail. Never had this issue before with any other platform. 

Info below : Funds were sent on : XXXX @ XXXX CST Total amount sent : XXXX XXXX XXXX BNB after XXXX BNB fee from XXXX and XXXX fee XXXX took out ) or {$3300.00} USD TX Hash : XXXX Sent from wallet : XXXX To wallet : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an American express rewards checking account on XX/XX/2023 with the promotion direct deposit XXXX and more get XXXX. I completed the direct deposit requirement on XX/XX/2023. Until now I still haven't received the bonus. The terms clearly mentioned if you are American express business checking account customers, you are not qualified ; if you have an existing rewards checking account, you are not qualified. By checking upon my status, I didn't fall into these 2 categories and therefore I am qualified for the bonus. I have also attached the snapshot of the webpage where I applied for this account. It has the information that I mentioned above. And that is the only information provided from American Express when everyone applies for this rewards account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been working with AmeriHome Mortgage since XX/XX/2021 to figure out why my mortgage payments have been raised substantially. They told me in XXXX that my account was being investigated and that my account would not be penalized in any way in the meantime. I have another complaint about that issue with your organization that is still pending. 

This complaint is about AmeriHome continuously calling me regarding a debt collection over this mortgage. I informed both XXXX XXXX ( AVP, Customer Experience Office of the President ) and XXXX XXXX in writing about this harassing behavior. They call during work hours, they call in the early morning. They leave long rambling messages that fill up my voicemail. 

XXXX XXXX did not reply to my notification of the harassment and XXXX XXXX said there was nothing she would do to stop it. 

I have also written several times to XXXX XXXX and XXXX XXXX that I want any and all exchanges with AmeriHome to be in written form due to the lack of follow through or institutional memory on my case. 

This is harassment. I am actively working with this company and have pursued relentlessly getting answers regarding my case. All delays have been from the side of AmeriHome. They are threatening my credit score and my home. This predatory and harassing behavior needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: FL
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:
Hey hope all is well I sent the credit Bureaus Multiple letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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. 

Accounts Disputed Listed Below : XXXX  XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX 

XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and 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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hey hope all is well I sent the credit Bureaus Multiple letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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. 

Accounts Disputed Listed Below : XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  XXXX Account number 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 2021-04-27
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I have applied for a {$15000.00} auto loan with schools first credit union. They originally asked for my paycheck stubs and after furnishing them they ask for other paper work like my 1040 schedule c and a schedule one, which is so new the phone agent didn't even know what it was. So, how am I suppose to have this document. They are making it almost impossible for me to get a loan. I believe I'm being racially profile and not getting equal treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: CA
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:
I am submitting a complaint to help with the situation im having with two companies one being Experian not deleting a fraudulent account that keeps reporting on my credit report. I have uploaded an FTC report drivers license and phone bill for proof of address.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2022-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
GOOD DAY SIR / MA I HAVE IN THE PAST MADE CREDIT CARD ENQUIRES WITH THIS CREDIT CARDS COMPANY BUT I NOTICED THAT EACH YEAR THEY WENT AHEAD AND CHECK AND MONITOR MY CREDIT, WITHOUT MY AUTHORIZATION. 

THIS ADDS UP ON MY CREDIT REPORT AS IT MAKES IT LOOK LIKE I MADE THE NEW REQUEST FOR THE CREDIT CARDS. 

ALSO I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, I THINK THE PERSON WITH MY INFORMATION STILL TRY TO GET CREDIT CARDS ON MY INFORMATION AS I RECIEVE SOME DECLINE MAIL WHILE I NEVER APPLIED FOR ANY CREDIT CARD THIS ALSO SHOWS UP ON MY HARD ENQUIRY CREDIT REPORT. 

I WANT THE BANKS THAT HAVE MY SSN THAT MONITOR AND CHECK MY CREDIT WITHOUT MY CONSENT TO STOP DOING SO AND CLEAR UP MY HARD ENQUIRY, AS ITS AFFECTING ME NEGATIVELY. 

I NEVER GAVE THEM ACCESS TO MONITOR AND CHECK MY CREDIT YEARLY, BUT I SEE THEY DO SO YEARLY, I WILL ATTACH A COPY OF THE LIST OS COMPANIES THAT ARE CHECKING AND MONITORING MY CREDIT WITHOUT MY CONSENT AND APPROVAL YEARLY, AND SOME NEW ENQUIRIES I NEVER ACTUALLY AUTHORIZED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  Accounts # XXXX, # XXXX, # XXXX, # XXXX, XXXX 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 an 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 non-monetary relief
Consumer complaint received 2023-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
{$900.00} dollars is credited on my account There was fraudulent activity on my account including a fraud mobile check deposit that I found out about via email ( XXXX ) XXXX please contact me

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 2022-11-12
Company: EQUIFAX, 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:
XXXXXXXX XXXX  Account Number XXXX CLOSED XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX COLLECTION ACCOUNT balance {$700.00} Original Creditor Name CREDIT XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Thunderbird Collection Specialists, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
TCS is reporting this debt to the credit bureau 's beyond the 7 year statute. The original delinquency for this debt was XX/XX/XXXX, the judgement was issued XX/XX/XXXX. The foreclosure on this property extinguishing the debt was XX/XX/XXXX. All of this information has been provided multiple times to Thunderbird Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have disputed the address information on my Equifax credit report and they sent me proof that they deleted the address. After reviewing my credit report after receiving the results, I saw that Equifax had inserted the erroneous address back on my credit file. I disputed it again and this time they stated that they will not delete it at this time because of " prior documents that I submitted ''! I do not know what " prior documents '' that Equifax is talking about and the address needs to be permanently remove because it is not 100 % accurate per FCRA. I am a victim of identity theft and also a security breach at my job and I am trying to make sure that all of the information in my credit file is 100 % accurate. I am sending you a copy of the Equifax credit reports to support the information that I am submitting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NY
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX  XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of 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 non-monetary relief
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: FL
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:
I am writing in the hope 's that you can assist me on my dilemma!! I am writing on behalf of my granddaughter XXXX XXXX XXXX as she is beginning her journey in life. 

I'm besides myself there is no way that I can pay more than {$50.00} per month on this bill!!!! I had to leave school due to my XXXX XXXX XXXX as a matter of fact she took a student loan for me and was able to be given Charity as she is now on Social Security. 

Our generation is being set up to loose fresh out of school with " NEGATIVE '' credit scores that's it, your stuck there for the next 10 years. 

Please help me in this matter they continue to close account sell account & the cycle begins all over again. To be quite honest I work XXXX hour week 's which just covers my rent. Isn't there some kind of program that I could possibly qualify for. 

Thanking you in advance for your efforts. 

Respectfully Submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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: SYNCHRONY FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have a line of credit through Pay Pal who uses synchrony bank. I have had the account over a year and in that time I have never missed a payment and often pad more than half the total bill quarterly. 

I went to purchase some XXXX presents and found that my credit had been cut in half ; which greatly impacted my credit score. Which is also why I would routinely pay larger sums on the account. 

I contacted customer service who said they sent me a letter. They did not. I was told they could change the available credit at anytime. I asked them where that said that in the initial agreement ; they were unable to provide that with my signature. I asked them to fix my line of credit and I was told that there was no one who could manually change my credit. The credit agreement I had with the bank was for XXXX $ and in that time I was very responsible. I also make more money this year than I did last. I understand the economy is XXXX right now but, why should people who use their lines of credit responsibly be penalized?

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 2020-03-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never had this account, i have never applied for this companies. I know that somebody used my personal information and applied for this companies, i never had contracts or agreements with XXXX XXXX XXXX  XXXX. I'm not responsible for this debt.

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