BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a loan with XXXX XXXX located in XXXX, AZ. I filed bankruptcy and did NOT include them in the bankruptcy and have continued to make my payments on time. I noticed when I ran my credit report a few months ago, they removed the account from the report so it does not show I have a loan with them. I called them and they refused to rectify or explain after 3 calls and a complaint with the XXXX. All they told me was if someone files bankruptcy it is their policy to remove the account from the credit bureaus. They said they would " investigate '' and that it could take months, but then called me the next day and said there was nothing they could do. I have an open account with them and I need the payments to be reflected on my credit report which impacts my credit score.

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 2018-10-01
Company: 21ST MORTGAGE CORP.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had tried to modify back in 2016. I had utilized a company at that time who was assisting with the process XXXX XXXX XXXX XXXX XXXX ). It turned out an offer was made then which the company I was dealing with never made me aware of. The woman I was working with XXXX XXXX had left the company. When I questioned the bank what phone number they contacted regarding the verbal notification about the trial modification. I was informed they contact XXXX This is not my number. 
They did not contact me directly nor did I receive the document to my home. 
I never expected to be in this position. I lost my son and my mom very close in time between them. I work very hard and several jobs and had they offered me the same offer of {$2100.00} I would have been happy to accept this now and previously. 
Because of this unfortunate error with regards to not being informed by the party who handled this for me, they now refuse to offer me anything at all. I am currently in foreclosure and close to a sale date. I am at the end of my Law dates provided by the court. You are my last hope. I just want an opportunity to retain my home and prove my ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-02-01
Company: AmeriCollect
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Payfare International Inc.
State: NV
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:
XX/XX/XXXX - XXXX XX/XX/XXXX - XXXXXXXX XXXX made fraudulent transactions on my account. I disputed them and XXXX put the money on my account took it off and is withholding it the representatives will not listen or help me I filed a police report and sent it in with other proof they cancelled my card and issued me a new one and still will not give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my husband, XXXX XXXX deposited a check into my checking account in the amount of {$800.00}. It was drawn against XXXX XXXX. XXXX XXXX said it cleared XX/XX/XXXX and that the funds were available. On XX/XX/XXXX Peoples United Bank in XXXX, XXXX. XXXX put a hold on the check from XX/XX/XXXX thru XX/XX/XXXX. They say they sent a letter to that effect but I did not receive a letter and dont believe they ever sent a letter. I dont think the Post Office lost a letter just going across town. I found out when I went to use my XXXX store card. I was shocked to see that the card was declined. When I checked to see why, I found out that the payment that was regularly scheduled to hit during the time there was a hold on my check, was sent back. XXXX closed my account and my credit score dropped 22 points. I owed XXXX about {$890.00} and the minimum due was {$35.00}. I had paid XXXX payments totaling over {$500.00} that month. I called them and they reinstated my card but my credit report had already undergone the ding. 

My husband talked to XXXX in XXXX XXXX at XXXX XXXX and she stated that the funds were available on XX/XX/XXXX and that XXXX XXXX would not have communicated anything negative about his account. She opened up a complaint against Peoples United Bank. 

Then XXXX XXXX Sent a response that the check drawn again XXXX XXXX did indeed post and clear on XX/XX/XXXX. I will attach the letter. I have tried to reason with XXXX to no avail at the XXXX Branch but their own bank person, who answered the phone at the number provided on the back of the debit card, also stated the funds were available. Thank you for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Having a XXXX XXXX XXXX Visa and a XXXX XXXX XXXX by XXXX XXXX and Bank Debit Card, for approximately the last 2 years these cards purchases were continually be " Declined '' or the merchant was being told to " Manually enter the Card Information '' entertainment activities Charges were continually being " Declined for rhetoric reasons '', text messaging for account balance were continually being manipulated with a " lower balance '' Treasury Deposits were being delayed. I have changed Banks to XXXX and the same " Text Manipulation for balance '' Now that I Bank with XXXX the same problems are reoccurring and I have been told that the " ELAN FINANCIAL SERVICES '' Monitors XXXX XXXX Bank Cards and XXXX Bank Cards and XXXX XXXX XXXX Arizona. It is my assumption that this problem was done purposely and intentionally to disrupt and confuse up to date balances and spending.

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 2021-06-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Step 1 : What is this complaint about? 

This complaint is about a HELOC with BMO Harris Bank. 

Step 2 : What type of problem are you having? 

We are having problems getting the money for the loan after the closing paperwork was completed. Without having copies of the closing paperwork to review in advance, we had to sign blindly on the online notary agent. 

Step 3 : What happened? 

The complaint has two areas of concern : 1 ) BMO did not share the closing statements for us to review prior to the loan closing. They gave us an electronic link to the documents, but the documents were not found on this website. Our paperwork was signed XX/XX/21 and allowed for 3 days to cancel ; however, we didn't get the notice until XX/XX/21 when I contacted XXXX XXXX to ask where our copies of the closing documents were at that time she sent them to me electronically only after I asked which was too late to cancel. 2 ) BMO is lagging in sending us the loan funds ; we signed on XX/XX/21 and the funds were still not deposited into our account on XX/XX/21. Where is our money? We bank with BMO electronically and this could have been done on the day of the closing! I'm assuming they will charge interest beginning on XX/XX/21? In addition, they took our money and paid off an existing HELOC loan for the wrong amount. When I asked why they didn't get a correct payoff figure before paying off the loan, XXXX told me that is not their practice, BMO just pays the amount from a prior statement and we have to try and get the money back from the other HELOC lender. 

Step 4 : What company is this complaint about? BMO Harris Step 5 : Who are you submitting this complaint for? XXXX and 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 2021-07-05
Company: Experian Information Solutions Inc.
State: TX
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 have sent 2 dispute letters to XXXX XXXX, Experian, one in XX/XX/2021 and XX/XX/2021 regarding inaccurate, incomplete, and RE-AGED ( which is illegal ) account on my report. I have yet to receive any investigation information from anyone.

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 2021-08-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not access my equifax account or reset my password. Every time I call in to reset the password, the identity test fails. I can't get on the line with someone or get information about my account. I can't file a dispute or get access to my credit score either. 

I need help resetting my password and gaining access to my account, since the automated system is unable to confirm my identity ( despite me answering questions correctly )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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 sent my complaints off on XXXX XXXX, 2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts : # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-06-15
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On the night of, XX/XX/XXXX my phone and card were used to make unauthorized charges to people whom I've never sent money to before, or after. Cashapp has simply said the " refund failed '' after initiating a chargeback with my bank immediately upon the matter had coming to my attention. This money is rent money, I've been borrowing from future checks to get by while cashapp just sits around and says oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
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 because one company placed a mark on my credit report which I wish to dispute. Please let me know how I owe you money since I have never heard of your company before. I dont recognize this debt and even if I do owe it, I certainly dont owe this much. There must be some kind of error in your calculations. Please provide me with proof that I owe this debt and who owns the debt that you say that I owe. 
I demand that you contact the credit bureaus and let them know that I dispute this debt. I hereby insist that you stop all attempts to contact me by telephone. Also, send me copies of what you send to the bureaus when you notify them that I disputed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: NY
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) XXXX  Account # XXXX has violated my rights XXXX Account XXXX XXXX has violated my rights Equifax Account XXXX XXXXhas violated my rights XXXX ) XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights Equifax Account # XXXX has violated my rights XXXX ) XXXX Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights Equifax Account XXXX XXXXhas violated my rights XXXX ) XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights Equifax 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 15 U.S. 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 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion Report # XXXX - XXXX As TransUnion stated XXXX XXXX XXXX XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX Transunion stated Company obtained information from my credit file in connection with account review or other business solutions stated by TransUnion Except insurance companies have access. I did or do not owe any of these companies and these companies was put on in error in which they should not have been or showing in any kind of way after they was removed/deleted by no money owed in any way. My next issue with how transUnion likes to word things that does not apply tom the complaint as if I don't understand my rights. Transunion does not justify the companies listed nor can they furnish any documents or Papers stating or showing I owe or owed any of these companies in which was in error and Transunion has no right to leave them on my credit file. I'm not trying to hear only I can see it or an Insurance company can view it. My consumer rights have been violated by transunion. Futher more the companies need to be Deleted/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 explanation
Consumer complaint received 2021-06-08
Company: LEXISNEXIS
State: WA
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 sent a certified letter to LexisNexis which they received on XX/XX/2021. The letter is disputing the inaccurate bankruptcy information they are reporting on my credit report. The letter is asking for the inaccurate information be removed from my reports immediatey. 
It has been over 45 business days and no response has been giving. This is against the FCRA and this inaccurate bankruptcy must be removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: OH
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:
My accounts on my XXXX XXXX XXXX is closed on my Experian I already reported this as identity theft but it says 3 of the accounts is closed I want both of the accounts of my my credit report and late payments also never missed a payment

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 2023-02-08
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR
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:
A collection debt that was placed on my credit report by Wakefield & Associates continues to be reported to all three credit bureaus in error. The debt owed has been paid in full to XXXX XXXX XXXX and XXXX XXXX XXXX has directly contacted Wakefield & Associates advising them to remove this information from my credit file. The fact that this derogatory information has not yet been remove, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files. Thank you!

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