BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
the company claims that they have charger off the account as of XXXX they claim that the account was passed due the account was on auto pay i have talked to multiple agents from the account and they give me different stories i have seen that XXXX  has been in the news lately due to things like this I have also reported them to my state attorney general. i have tried to contact a manager in the company and they have never responded. I understand that the company is in the middle of a bankruptcy. but it is not right that they treat they customers like that i have not been able to get a true story with any proof of anything. they claim they charge off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX 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 deleted : XXXX XXXX XXXX : {$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 non-monetary relief
Consumer complaint received 2019-04-13
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
From XX/XX/2017 to XX/XX/2017, I worked for a company and started a High Deductible Health Plan which included an HSA managed by BB & T Bank. I received a card in the mail and made contributions through my paycheck. I switched jobs and moved to another company, and thus switched insurance plans and was no longer contributing to the HSA account. 

By the time I left the job, I had the card but did not have documentation on setting up an online account. I also was sent a letter informing me that there would be a maintenance fee for inactivity because I wouldn't be contributing. 

To close and roll the funds over to my current HSA, I need information such as the full account number, HSA custodian name and address so the current HSA can coordinate the funds transfer. 

In XX/XX/2017, I called the number on the back of my HSA debit card ( XXXX ). They tried to locate the info, and with no luck, and after some time, I was told to call a different number ( XXXX ). I called that number, and they tried to locate the info, and with no luck, suggested I call a different number, which was the first number I called on the back of my debit card. Basically I was being referred in a circle. 

In XX/XX/2017, I went to a BB & T branch, hoping my physical presence would help get the info. A helpful employee tried to look up in their systems with no luck, and then tried calling the same two numbers I had called myself, with each referring to the other. While this was humorous, it did not bring me closure to getting my money back. 

I don't know what else to do to get the information to close this account and transfer the funds to my current HSA. I fear that a substantial amount of money is now gone due to those maintenance fees when I attempted to close the account multiple times some time ago. 

The inability to access this info prevented me from closing the account and likely has resulted in maintenance fees being charged to the account.

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 2023-11-14
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 {$2400.00} was taken from my cash app account fraudulently. On XX/XX/2023 another {$2400.00} was taken without me knowing again. Leaving my account in the negative. After disputing both transactions, cash app refunded the first XXXX which reflected in my already negative account. They then claimed that the second transaction wasnt fraudulent and has never returned the money owed to me. I trusted cash app as I didnt have a bank at the time for me to receive my student refund check. I am now a struggling college student.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: I.C. System, Inc.
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: Investigation took more than 30 days

Complaint:
Remove all items over 180 days as per law

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 2023-04-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$99.00} XXXX  XXXX Balance : {$1000.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Creditors Bureau Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/ I went to XXXX XXXX XXXX  ( XXXX ) XXXX to do a XXXX XXXX of the XXXX, I was told my copay was {$48.00} and I did pay it. Couple of months later they send me a bill that I owe them {$180.00}. A collection Company has contacted me about the Debt, creditor Bureau Associates and they have my account number as XXXX. I did dispute the debt saying that they should it let me know the whole balance Due at the time of the test to see if I agree to proceed and they didn't. Collection company send me as a verification the bill charges, call them today and asked them for a proof that I did agree with those charges to proceed with the test as it should be, and they told me that I have to call XXXX XXXX, which I did call before and disputed with them and never send me anything instead they send my account to this collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: LEXISNEXIS
State: RI
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:
CREDIT BUREAUS ARE NOT VERIFYING OR VALIDATING DEBTS AS REQUIRED UNDER FAIR CREDIT REPORTING ACT. THEY HAVE NOT FURNISHED ANY AUTHENTICATED DOCUMENTS AS REQUIRED PER THE ACT. THEY HAVE INGNORED MY REQUEST FOR W9 'S AND COPIES OF THE SSA 89 FORM WHICH GIVES THEM AUTHORIZATION TO DISCUSS ANY INFORMATION REGARDING MY SOCIAL SECURITY NUMBER. Notice, it is a fact, I am aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Balance transfer payment of {$7000.00} from XXXX  to Barclays/JetBlue XXXX canceled and payment returned to XXXX  but transaction of official check posted twice each for {$7000.00} on Barclays/JetBlue XXXX account 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 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
It appears that a checking account was opened in my name at Capital One without my permission. 

XX/XX/2023, XXXX - Received at email from XXXX with the subject line " We've updated your phone number You're all set! '' XX/XX/2023, XXXX - Received an email from XXXX with the subject line " Congrats! Your new XXXX Checking account is open. '' XX/XX/2023, XXXX - Received an email from XXXX with the subject line " Please confirm some info to use your accounts. '' The body of the email began " One or more of your accounts is temporarily restricted, Theres been some suspicious activity on your accounts recently and weve restricted them for your safety. Youll need to confirm some information with us before the restriction is removed ... '' I assumed that the above emails were a phishing attempt as they all contained links and I have never applied for a Capital One account. Therefore, I did not respond or click on any of the links. I also did not contact Capital One. 

Then XXXX XXXXXX/XX/2023, I received a debit card from Capital One with my name one it and instructions to activate it. I tried going directly to the Capital One website ( https : //www.capitalone.com ) and entered my last name, SSN, and birthdate and the site said there were no customers with matching that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Bread Financial Holdings, Inc.
State: TX
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 Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Victorias Secret Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for Comenity Bank/ Victorias Secret Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with experian and XXXX and XXXX but they keep coming back fromt the creditor as verifed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: CITIBANK, N.A.
State: PA
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:
On XX/XX/2021 I tried to use my LLBean Mastercard at a local retailer. The card was declined. 

This card has a {$10000.00} limit, I use it infrequently and pay the balance in full monthly. 

I had made a payment of {$11.00} on XX/XX/2021. 

Unfortunately, the amount I paid, which was in a large green box in print larger than any other print on the bill was my XXXX XXXX XXXX, not the balance to be paid. The actual balance to be paid was in small black print at the bottom of the bill. The actual balance due was {$14.00}. 

The credit card company declined my card for an outstanding balance of {$3.00}. There was no other past due amount carried over previously. Just an amount of {$3.00} not paid. 

What i can not understand is why the credit card company did not allow a balance of {$3.00} to be carried over to the next month and charge interest on that amount. 
Why did they decline the card and cause me the embarrassment of declining the card and have to leave my purchase at the retailer. I was a long-standing customer with this credit card. I had a balance of {$3.00} not paid that month. I mistakenly took the large printed amount of the reward earned for my amount due. 

I feel I was treated very unfairly. Also, the amount due should be the largest print on a bill, not the rewards earned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2023 I submitted a complaint against Trans Union about inaccurately reporting an account ( XXXX ) on my credit report. On XX/XX/2023 Trans Union sent me a response saying XXXX is now deleted from my credit report. Now as of XX/XX/2023 Trans Union is still reporting this false account on my credit report after claiming theyve deleted it. On XX/XX/2023 XXXX credit gave me a report of information stating Trans Union is still reporting the XXXX account on my credit report. This is a clear violation of the federally protected FCRA laws. According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ). 

THIS IS NOT AN OPPORTUNITY TO RE-INVESTIGATE ANY DISPUTE. 

I will provide documentation to support my claim of Trans Unions misconduct. 

Within 14 days of receiving this letter/complaint Trans Union must - ( 1 ) REMOVE THE ACCOUNT MENTIONED FROM CREDIT REPORT, & ( XXXX ) SEND {$1000.00} CHECK TO XXXX XXXX FOR VIOLATING FCRA 15 USC MAKING TRANS UNION LIABLE TO ME FOR STATUTORY DAMAGES. If Trans Union fails to do so within 14 days of receiving this letter/complaint I will be filing a lawsuit against Trans Union for EVERY Fair Credit Reporting Act violation committed by Trans Union towards 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: RI
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:
CREDIT BUREAUS ARE NOT VERIFYING OR VALIDATING DEBTS AS REQUIRED UNDER FAIR CREDIT REPORTING ACT. THEY HAVE NOT FURNISHED ANY AUTHENTICATED DOCUMENTS AS REQUIRED PER THE ACT. THEY HAVE INGNORED MY REQUEST FOR W9 'S AND COPIES OF THE SSA 89 FORM WHICH GIVES THEM AUTHORIZATION TO DISCUSS ANY INFORMATION REGARDING MY SOCIAL SECURITY NUMBER. Notice, it is a fact, I am aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.

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 2023-03-17
Company: EQUIFAX, INC.
State: TX
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 a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX  {$540.00} account number XXXX XXXX XXXXXXXX XXXX XXXX  {$870.00} account number XXXX XXXX. XXXX XXXX XXXX  {$410.00} Account number XXXX XXXX. XXXX XXXX XXXX BANK {$430.00} account number XXXX XXXX. XXXX {$660.00} account number XXXX XXXX. XXXX XXXX XXXX  {$910.00} account number XXXX XXXX. XXXX XXXX XXXX {$990.00} account number XXXX XXXX. XXXXXXXX XXXX XXXXXXXX {$9300.00} account number XXXX XXXX. XXXX XXXX {$470.00} account number XXXX XXXX. XXXX XXXX XXXX  {$240.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1500.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1300.00} account number XXXX XXXX Credit usage {$450.00} account number XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts list in the above paragraph 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NV
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:
For XXXX Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in a forbearance plan with the mortgage holder for at least a year, due to hardships caused by the pandemic. The mortgage holder switched to a new mortgage holder ( Amerihome Mortgage ) and the problems began. The new mortgage holder took several months to process my documents. The documents were provided several times via email and fax ( with confirmation ), although the mortgage holder continued to insist that documents were still missing. I filed a claim with the XXXX and only then was I contacted by a representative and submitted my documents directly through the representative. 

I attempted to apply for a loan modification and was denied with no valid reason, aside from I did not qualify for mortgage modification. I appealed the decision and was denied a second time. There is no reason why I should not have been approved for mortgage relief or modification, due to COVID-19. All the required documents were submitted. This company has been nothing but dishonest and fraudulent the moment they took over the mortgage loan from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation