BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i complained to the cfpb about bridecrest re aging my account and how i want this account deleted and to get monetary compensation for what they done to my credit report. 

two days after i complained to them i started receiving several calls and voicemails from people at bridecrest about this account. these calls and voicemails were threatening to me and seemed like retaliation for complaining that they were violating my concumer rights.

Section 660.3 of this part requires each furnisher to establish and implement reasonable written policies and procedures concerning the accuracy and integrity of the information it furnishes to consumer reporting agencies.

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information.

they knowingly put this information on my credit report which has caused me huge amounts of financial harm

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given this card as a gift a while back, maybe a year or two ago probably in XX/XX/2017, from a friend. It was a $XXXX gift card. I tried to use it a few times and tried to activate it online a couple times without success. I was given a number to call but didn't have time to deal with it and the expiration printed on the card read XX/XX/XXXX, so I figured I had time.I called today and was informed that this card (number ending in XXXX) must be activated within 90 days of purchase or its value completely expires. Nowhere is this printed on the card and the expiry date on the card says "Good thru XX/XX/XXXX."The company, netSpend, refused to offer any monetary value. The woman on the phone would not hang up on me but put me on hold forever after telling me my card is worthless and has no value and anyone else at the company would say the same.I don't remember if there was even any packaging with the card, as it was inserted into a greeting card, a reasonable way for someone to pass on a prepaid card such as this.I feel that this company engaged in deceptive business practices. I would like the $XXXX value that my friend paid onto this card returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NV
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:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Transform Credit Inc.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My XXXX credit report shows this unauthorized loan that i never received of {$3100.00}. from a Transform Credit Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. ( XXXX ) XXXX, XXXX # XXXX opened on XX/XX/XXXX  and closed on XX/XX/. This account is fraudulent and has a fraudulent address of XXXX XXXX XXXX, XXXX GA XXXX in which i never lived at. I have contacted the company by telephone and email to remove this erroneous account from their records and my XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CA
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:
Dear Equifax I have contacted the furnisher who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. Because of that they had no permissible permission to pull my credit reports. 

After researching on the internet, it states a company needs authorization to pull a consumers credit report. This company did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Furnisher comments on my report are inaccurate. Please contact the creditor and have them fix this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Furnisher comments on my report are inaccurate. Please contact the creditor and have them fix this. 

30 days should be enough time for you to complete your investigation on this matter. Also, once you have finished your investigation, please supply me with a full credit report and not a partial one. Im tracking all letters sent and received from you. If these inquiries are not deleted, then I press forward with complaints to the Attorney Generals Office and the Consumer Financial Protection Bureau. 

Good day. 

CC : FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1099 is incorrect. Bank withheld over {$400.00} from interest XXXX said it was fir XXXX Income Taxes. 1099 does not report the withholding or even the correct interest. I have been trying to get this corrected since XXXX. 
I vane made NUMEROUS phone calls and even written them a letter - no response. Is the lack of service and the illegal withholding of funds and not reporting the withholding common for MARCUS? 
My next step if you do not get results is to file criminal charges. 
I do have statements and other information to support these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: IN
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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 XXXXXXXX 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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX is reporting inaccurate information that the account is opened. this account was fraudulent and needs to be removed XXXX is reporting a second fraudulent account that needs to be removed XXXX never sent a billing statement nor bill of a balance due. i am requesting all lates be removed. 

XXXX  : i was never late this account is my own money and should never be showing as late XXXX XXXX is reporting lates over 7 years old. lates need to be removed

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 2023-12-05
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM Financial 's website for billing has been reporting incorrectly for the almost 3 years I have leased a car. It continually shows the wrong amount due and incorrect due dates. Example : Login to the webpage it shows amount due as {$310.00} then look at the electronic statement and it shows {$290.00}. Consumers would be unsure as to what amount is actually due. Now at the end of the lease it shows {$750.00} due and no statement for XX/XX/XXXX. I called and they said I only owe {$140.00} ( which I paid ). I do not trust this company at all and I'm sure there will be more charges even though they tell me this XXXX 's out my account. This is very confusing and I have been very diligent to pay attention to statement amounts instead of the website but I'm worried that others would incur late payments and other financial hardships based on misinformation. This is very bad business. When I asked about this several times the only answer I got was they are working on it or they don't know why it shows this. I have talked to other GM financial customers who have similar stories. This needs to be investigated for predatory lending practices. I work for a large financial institution and if we did business like this we would be in trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, we opened a 0 % interested free company credit card with US Bank. The problems started when I couldn't set up an online acct to place my card on auto pay. Me and my partner called multiple times over numerous months and no one could help up set up our online access nor did anyone know how to do it. So I could not set auto pay and I could not access my rewards. This error at US Bank caused my account to accumulate late fees, over the limit fees and interested to be charged to my zero percent interest card. I told them of the error and I think they might of waived one late fee. Every time I tried to set up an online acct their online system would generate a message " their is some type of issue with their system ''. 

Then about one month ago I spoke with a rep that was able to aid me in getting the online account set up. I tried to access my online account with the same login information a couple weeks ago and the same error message kept arising and I have not been able to access my online account. 
I received a bill in the mail saying I owed a certain amount so I decided to call in to make the payment because I could not access my acct online to pay. When I called US Bank to make payment the computer system said nothing was owed even though I had a bill stating a certain amount was owed by the due date. Then I got a phone call a couple days later saying my bill was late and I owed {$93.00}. My official bill said around {$300.00} and this is the 1st time Im hearing {$93.00} is owed. So I need the the bank to refund all fees, extend my zero interest double the time and allow me online access to my account. Also, I need to all the phone records.

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 monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: HI
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:
Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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:
I am pulling my credit report and I am seeing this XXXX  XXXX on my credit report with Experian and XXXX when Bankruptcy Court clearly states they DO NOT Share this information to any of the credit reporting agencies.

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 2023-12-05
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: EQUIFAX, 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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
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:
XX/XX/21 XXXX : XXXX service charge - XXXX XXXX XXXX Original Creditor - XXXX XXXX XXXX  ( Account XXXX ) Collection Agency - Wakefield & Associates ( W & A ) ( Account XXXX ) Have had major medical expenses over the past year and did not realize that a charge with XXXX XXXX XXXX  was unpaid until the following events : XX/XX/21 - Received alert via XXXX Credit Monitoring Service that W & A had flagged my account for collections on XX/XX/21. Credit score drops XXXX points. 

XX/XX/21 - I checked my balance with XXXX and see that I have a {$0.00} balance ( see attachment showing image of balance ) so I thought it was paid. I immediately submit an Experian dispute ( # XXXX ) on XX/XX/21 with statement and attachment showing XXXX balance with CEP/Vituity. 

XX/XX/21 - Response to dispute was received the same day w/ no mention or explanation of what happened. I was on vacation and by the time I saw the dispute was responded to, it was XX/XX/21. 

XX/XX/21 After not seeing any statement in response to my dispute, I immediately call W & A directly. They confirm it was for a service charge of {$460.00} that was never paid. After confirming this was true via my bank records, I pay via telephone to W & A ( requested that added service/interest charges be waived which W & A employee granted ). Attached picture of Discover card transaction history proves the charge was processed on that phone call XX/XX/21. 

XX/XX/21 Receive alert via XXXX  Credit Monitoring Service that W & A has again flagged my account for collections on XXXX. 

XX/XX/21 I submit a second dispute ( # XXXX ) via XXXX  explaining that I paid balance on XXXX. 

XX/XX/21 Response received via XXXX shows that balance still had not been paid as of XX/XX/21. No statement in response to my dispute was included. 

XX/XX/21 Credit Score drops by an additional 19 points. 

Both Experian dispute reports are attached. As well as proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To my knowledge, I was never late on my XXXX credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/2018 which is not true. I have had this credit card since XX/XX/2018 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

Company response to consumer: Closed with explanation