BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the recent repossession of my vehicle and the inaccurate reporting of the outstanding amount by the finance company. 

The vehicle in question, XXXX  XXXX XXXX XXXX XXXX was repossessed by Bridgecrest. Following the repossession, I promptly contacted the finance company to settle the outstanding balance. I can confirm that the vehicle has been sold, and the payment has been made in full, in accordance with the terms of the loan agreement. 

Despite the successful resolution, I have noticed that the finance company continues to report an inaccurate amount to the credit bureaus. This discrepancy is causing a negative impact on my credit score and financial standing. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that the reported information accurately reflects the resolution of the account. I have attached relevant documents, including proof of payment and the sale of the vehicle, for your reference. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will work to rectify the reporting discrepancy, allowing for a fair representation of my credit history. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
While we were in Tennessee in XX/XX/2018 we stayed at a Wyndham XXXX. While there, during a 2 day presentation ( was not the normal 90 minutes they advertise ), we were presented with the proposition to purchase Penthouse accommodations at their resorts. 
Husband was interested so he asked for information. During the " 2 days '' and a promise to call us ( still waiting for the telephone call ), he showed more interest. We came back to Indiana thinking we would have much bigger and better rooms on our next trip. What a joke we later discover. This came to husband via someone by telephone telling him he needed to check his deed. It was for a timeshare somewhere in Florida. The word Florida was NEVER mentioned during the 2 day presentation. He proceeded to contact a lawyer which was aware of this happening to individuals by Wyndham XXXX. Never got any good results as the attorney died. Then we are notified that Barclays Bank was involved in the lawsuit and never have figured that out as to why. Since then my husband has died and I have lost the business so I have no income. I would like to have this removed from credit report as they car CROOKED and they know it.

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 2022-09-11
Company: SYNCHRONY FINANCIAL
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: AZ
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 I did not authorize someone is applying for things in my name and the creditors are not investigating. 

Equifax- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: MD
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:
Due to late markers reporting on an account through XXXX XXXX XXXX, which consequently is reported as a conventional mortgage on my credit profiles, I had enlisted the assistance of outside help to try and correct this matter. On XX/XX/2021, I had submitted a dispute to XXXX directly referencing account number XXXX ( attached ). Additionally, after not hearing back, I had submitted an electronic dispute with Experian and XXXX directly on XX/XX/2021. Following the 30 days allotted for the dispute to finalize and not receiving any responses as to the status of my disputes and by this account still reflecting as being disputed through the bureaus, I had sent a second request to XXXX and informed them that I would be unable to make my upcoming payments due to them attempting to collect on a debt that I had disputed through both the XXXX directly as well as through the credit bureaus. I had asked that these accounts be placed on hold until being provided with the information requested. There had also been a second request mailed directly to XXXX on XX/XX/2021. After still not being provided with the documentation requested and still no responses from the bureaus, a second dispute to reinvestigate was filed electronically on XX/XX/2021. Again, I hadnt heard back from the disputes filed and the request to postpone my payments had been ignored causing a XXXX and XXXX late marker to be reported as late conventional loan mortgage payments. Again, on XX/XX/2021, and XX/XX/2021, I had sent additional requests to XXXX directly and again was never provided with the information requested. I had cancelled the service through the company I hired and studied my rights under the FCRA and the FDCPA.

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 2019-12-02
Company: ONEMAIN FINANCE CORPORATION
State: NY
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 am writing this letter to inform you about incorrect inquiries listed on my XXXX, XXXX, and XXXX credit reports. I have no knowledge of ever doing business with this creditor. Therefore, I would like for the following inquiries to be removed from my credit reports. The dates are, XXXX/2018 and XXXX/2018.

ONEMAIN: XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a XXXX bill currently in dispute. I filed a complaint with the FCC over their fraudulent billing practices - they had me on a plan that was supposed to last a year, but they dropped me off the plan at 6 months, and then when I called to complain, they fixed the bill. But the next month they overcharged me. And I called to complain. So they fixed the bill. And then the next month they overcharged me again. So they fixed the bill, but I dropped the service. 

So I paid off the bill online - or so I thought. Because that last bill that they said they were going to fix - well, they did n't fix it. I dropped the service immediately after the said they were going to fix it, and instead of actually fixing it, they just left it at the wrong price. So I paid off the bill ( I do e-billing, so I never got a paper bill ) - but, oh, I paid too little. Because they did n't fix the amount like they were supposed to. 

Fast forward to today. 

ERC has never called me. They have never sent me a notice. They have repeatedly called my XXXXyear-old father and XXXX-year-old mother, who live two hours away and have never had anything to do with my account or with XXXX. My telephone number - which I have had since 2008 - was on file with XXXX, and I have never received a telephone call from ERC. NOT ONCE. 

I called ERC, and they told me that I owe XXXX {$44.00}. I had a discussion with them that the debt was submitted to them fraudulently, and they said they could send it into dispute. But I had already filed a complaint with the FCC over their billing. And it 's still " under investigation. '' Probably because XXXX 's poor customer service and billing procedures are so shoddy that it 's legendary. There 's probably a whole department at the FCC that JUST DEALS WITH XXXX COMPLAINTS. 

So, I talked about it with the rep some more. She explained the processes and essentially, if XXXX does n't remove the debt from their rolls, they 'll keep calling XXXX my parents, apparently, despite their number never having ever been on anything XXXX related, and despite the fact that I 've had this same cell phone number since 2008 ) and trying to collect the debt. 

So I said, " That 's just more trouble than it 's worth. I 'll just pay the amount. '' And she said, " Okay, there 'll be a {$15.00} convenience fee for paying your bill over the phone. " Very long story short, ERC has been:1. Harassing people who have NOTHING TO DO WITH THIS ACCOUNT2. Charging people an exorbitant fee to pay their bill. 

Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: MD
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:
Due to late markers reporting on an account through XXXX XXXX XXXX, which consequently is reported as a conventional mortgage on my credit profiles, I had enlisted the assistance of outside help to try and correct this matter. On XX/XX/2021, I had submitted a dispute to XXXX directly referencing account number XXXX ( attached ). Additionally, after not hearing back, I had submitted an electronic dispute with XXXX and Equifax directly on XX/XX/2021. Following the 30 days allotted for the dispute to finalize and not receiving any responses as to the status of my disputes and by this account still reflecting as being disputed through the bureaus, I had sent a second request to XXXX and informed them that I would be unable to make my upcoming payments due to them attempting to collect on a debt that I had disputed through both the XXXX directly as well as through the credit bureaus. I had asked that these accounts be placed on hold until being provided with the information requested. There had also been a second request mailed directly to XXXX on XX/XX/2021. After still not being provided with the documentation requested and still no responses from the bureaus, a second dispute to reinvestigate was filed electronically on XX/XX/2021. Again, I hadnt heard back from the disputes filed and the request to postpone my payments had been ignored causing a XXXX and XXXX late marker to be reported as late conventional loan mortgage payments. Again, on XX/XX/2021, and XX/XX/2021, I had sent additional requests to XXXX directly and again was never provided with the information requested. I had cancelled the service through the company I hired and studied my rights under the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt that XXXX XXXX is claiming that is owed is not valid and XXXX XXXX   has admitted in writing that they did not follow Georgia code O.C.G.A. 10-1-36 ( 2010 ) 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency. In accordance with Georgia law it was the responsibility of XXXX XXXX to send two letters of notification. The first letter that they have admitted in writing they did not send was a letter of accounting. This letter would have been sent to XXXX XXXX XXXX XXXX which was the updated address given to them in the bankruptcy. It was their responsibility to send a new statement with the balance owed and amount needed to keep the vehicle. They did not send that. It was also their responsibility to send a letter of intent to sale 10 days after taking possession of the vehicle. XXXX XXXX has admitted in their own words they did not send anything until XX/XX/XXXX. This far exceeds the 10 days that state law allows. I am attaching a copy of the letter received by XXXX XXXX admitting that did not send any notifications to me letting me know the balance and they did not follow the law when it comes to repossession. By law they had 10 days after they took possession of the vehicle in XXXX to send a intent to sale letter. Just because they claim they sent a letter for a prior repossession does not qualify s proper notice. Once they vehicle was repossessed again in XXXX they had 10 days to notify of the their intent to sale. They did not do this and because they did not follow state law this debt is not valid. Because the repossession was not lawful. Below is a copy of the state code they are violating. 

O.C.G.A. 10-1-36 ( 2010 ) 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My issues are complex and unique in nature and i havent been able to resolve any of the issues that have been in existance since discovering them in XX/XX/XXXX. I know for certain that i am a victim of synthetic identity theft and fraud. I am unable to view any of my credit accounts because passwords and user name and id 's have been changed, so i dont know what was used, expecially my XXXX account! How am i supposed to figure out what my credit scores are if i am unable to view them because i can not get into them! I need help with these issues because i am trying to fight fraudulent attacks that use mine and my childrens personal data!

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 2023-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had been with Bank and America for 16 years and had some problems with fraud a few times. The last time was outrageous. I immediately reported it to the bank and filed a police report. They crested another account but it was still attached to the original one that was hacked into. I asked them to separate it so I could move my funds over and close the hacked account. They continued to freeze the old account but you could still access it through their main portal and then get over to my new accounts. I continued to have fraud issues and all they did was change my username and password. One day a someone cashed a check in my name out of my account. I immediately called Bank of America and at that point the agent asked me as to which username was me. I told them I only had one username that they had provided me. Unknown to me there was another username on the account that they knew about and the person was freely taking money out of my account and using XXXX as well. Not only that but they had issued checks to this person. I told them since it started that I was the only user of the account yet no flags were set off after continuously changing my name and password and dealing with fraudulent activity. I lost thousands of dollars to both Bank of Americas negligence and the theft that was being committed. The police said it was not a matter they handle and Bank of America took no responsibility for it. Then suddenly they shut down my accounts without contacting me until after the fact. Without an explanation everything was closed and on top of that they reported me to other banks. I am XXXX and on medical XXXX so this entire process was a mess and very stressful, not to mention the amount of money that I lost in the process. None of this would have happened if it were not due to their negligence and mismanagement of my money. I dont understand how this could happen and why I was blamed. Some sort of action needs to be taken because if this happened to me, I am sure I am not alone. On top of it I am out thousands that I desperately need for my healthcare. I need help and advice on what action can be taken.

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 2023-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023, someone opened a credit card account with Bank of America in my name fraudulently. 

I have never received the card, but have begun to receive correspondence from Bank of America referring to the account. 
I have checked my credit reports from XXXX, XXXX and XXXX, and they all 3 have the account on my report. 
The account should have never been opened.

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Today date : XX/XX/2022 I asked this company to remove addresses and new a.k.a names popped up as well after I disputed the inaccurate information. I'm extremely frustrated and would like appropriate action to be taken immediately!!! I'm not trying to be frivolous about my disputes. I just want my credit report to be corrected!! 

Thank you for your time, Sincerely

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 2022-12-24
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: Credit inquiries on your report that you don't recognize

Complaint:
there are several Hard Inquiries that I don't recognize, they are fraudulent, without my permission. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX P XXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/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