BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: Bridgecrest Acceptance Corporation
State: CA
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:
On XXXX XXXX, 2019 the car in question ( XXXX XXXX ) was reposed from a location in XXXX, Ca, by way of a tracking device ( installed in the car ). This location is not on file with car finance company ( Bridgecrest ). Representatives at Bridgecrest advised that the towing company took the car to a tow yard in XXXX, Ca. The balance to reinstate the loan on XXXX XXXX, 2019 was {$1700.00}. The loan was reinstated on XXXX XXXX, 2019 at XXXX ( XXXX ) in the amount of {$2000.00}. On XX/XX/, 2019 Bridgcrest representatives ( about 7 Reps ) advised the car would be delivered to Nevada for auction and owner would have to go to Nevada to retrieve the vehicle. A flight was taken from XXXX  to XXXX XXXX, NV on XXXX XXXX, 2019. On XXXX XXXX, 2019 at XXXX XXXX the auction company that is scheduled to receive the vehicle advises the vehicle has not made it and to call back in a few hours. On XXXX XXXX, 2019 at approximately XXXX XXXX   XXXX auction company advises vehicle is still not there. At approximately XXXX XXXX   Bridgecrest representatives advise the vehicle is still in California . Manager XXXX at Bridgecrest states that she will place an order to have vehicle sent to dealership owners choice and vehicle will be ready for pick up on XXXX XXXX, 2019. XXXX agrees to send car to : XXXX XXXX XXXX, XXXX ca, XXXX. In addition XXXX provides email address and fax number to arrange for reimbursement of flight and hotel expenses due to inconvenience and misinformation of Bridgecrest. On XXXX XXXX, 2019 at approximately XXXX XXXX XXXX, Bridgecrest informs that they are unable to locate car and can not provide a time for car retrieval. XXXX Manager at Bridgecrest advises they aren't able to reach their Transportation Company and is unaware of the location of all of Bridgecrest 's  fleet of cars including the XXXX XXXX that has been paid and reinstated. As of XXXX XXXX, 2019 3 business days since the car has been reinstated, the car has not been retrieved nor has the location of the vehicle been provided due to the negligence and uncooperation of Bridgecrest Financial. Attached you will find receipts for the flights, hotel and parking services as well as statements for taxi rides while in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Someone used my information to open an account at the Bank of America, I do not recognize that account with a value of {$930.00} dollars. I have tried in many ways to solve this problem for many years with bank of america and they keep posting that account on my credit report In my credit report it does not show an account number to identify it, it only shows a debt with that value. 

bank of america wants to force me to pay a debt that was not mine

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 2018-02-10
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Acct # XXXX Current Amount XXXX XXXXDiscount Offer {$2200.00} Address XXXX XXXX XXXX XXXX , Ml XXXX Telephone number and Name XXXX XXXX XXXX Request for my payment in a letter No Telephone ANSWER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
These aggressive, and I'd say unethical, debt collectors continue to call my home phone number, though I have contacted them directly on their website, through the XXXX XXXX XXXX, via CFPB, and by written cease-and-desist letter. They are apparently trying to contact someone who USED to have my phone number, but no longer has, as I've had this number for nearly 3 years, and am not in default on any debt. By their own admission, they do not have an account in my name, yet they will not remove my home phone number from their database. My next step will be to contact the Attorney General for my state. I've reported every call of theirs to the FTC, but the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
i been a victim of inquiry issue and want the following inquries 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 2019-04-19
Company: Valentine and Kebartas, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Repeated phone calls before XXXX, even though they have my mailing address in California. the supervisor said I should change my number, I don't understand why i have to change my number for them to follow the Fair DEBT COLLECTION PRACTICE ACT

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 2021-05-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions 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:
My name is XXXX XXXX. The credit bureau is refusing to remove a collection record from my report that is not mine. It is being reported as a paid debt but I have never had any business dealings with this company. I have never been called by them, I have never received any letters or notices from them and I have never paid them any money. There is no reason for this to be on my credit. The account name is under " XXXX XXXX '' with account number # XXXX. It is reported to have been opened since XXXX 2016. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. Last week, I took it upon myself to call XXXX XXXX and spoke to their representatives and a supervisor. It turns out that the personal information on this account does not match mine besides a very similar sounding name. They were not able to give out any more details because I was not the verified person on the account. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. If I am being told by the source of this information that this is not my account, why does the credit bureau continue to report this to my credit? I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake. This is the reason why I am filing this complaint.

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 2021-02-10
Company: Mr. Cooper Group Inc.
State: MO
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:
We had a home equity loan with XXXX, with Nationstar being the servicer. We went on a forebearance plan in XX/XX/XXXX due to Covid and losing income because of it. We renewed it every 3 months with it supposed to be ending in XX/XX/XXXX. Our hope was to defer the payments we missed after it ended in XXXX and start fresh. We received a letter from Nationstar that said as of XX/XX/XXXX our new servicer would be XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments should be directed to them after XX/XX/XXXX. I called Nationstar and talked to a rep and asked why this happened and they said it just does and nothing has changed except they would be who you make payments to after the forebearance ends. Then on XX/XX/XXXX I received a letter that they are actually a debt collector and I had to do a loan modification with them to pay back the entire home equity loan. This is being reported as our loan went to a collection agency and is a bad mark on our credit report. It was not our fault that this happened snd we were never told it was being sent to a collection agency. We want this off our credit report. Nationstar totally missed that the loan was in forebearance and under the cares act we should have been protected, not sent to collections!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am unable to open a bank account no were in the world due to Bank of America old account I had And it was an old account and I call Bank of America Customer services as well as other numbers and as well as the fraud department and they told me that they would be able to to help me get these resolved and They have not and the bank refuse to wave and Old accounts Even doe I told them it was fraud check thats was sent to me in mail and was open and was charge from online fraud that was sent to me as a online for payment of work and I cashed the check threw my account and they didnt respect that I asked them for help dealing with these old accounts they refused to help it was other people at the bank was going to help but they couldnt help cause the bank Corporate refuse to help these accounts are more than two to six years old or more and it not letting me open a checking account in the world

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 2019-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Capital One Credit Card Division restricted all four of my credit cards with ending me a notice. Customer Service refuses to state the date of the restrictions and why. Capital One claims I am not who I am and refuses to explain why. 
Capital One Credit Card Division was hacked and I received a letter explaining my accounts were not involved and I have had no problems for all those months. NOW, it seems my accounts maybe or have been hacked but Capital One COMMITTED FRAUD against me AGAIN. IN XXXX, XXXX and XXXX ; I notified Capital One Credit Card Division, several times, about security problems in their website, they refused to do anything. I contacted your useless organization, three times ( once for each Year above ), but Consumer believed Capital One BUT later facts proved someone was and did Hack into Capital One Credit Card Division. I have, at least, two of those three letters from Consumer and Capital One calling my claims false. 
I have received NO NEW letter from Capital One EXplaining my accounts may have been hacked but Capital One NOW has restricted all four of my accounts and makes up excuses. 
The Customer Service Department LIED by stating my credit card denials were the caused BUT the credit Cards are current with no outstanding/late payments. The credit card denials are caused by the restrictions which I did not know until today XX/XX/XXXX ; when multiple cards were rejected for no reasons except the FRAUD committed by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter ( dtd XX/XX/19 ) from Best Buy Credit Services stating that they were unable to process my application for a Best Buy Visa Platinum because there is a security freeze on my credit report. I never submitted an application for a Best Buy Visa. 
When I called the Manager, credit Review at XXXX and spoke to " XXXX '' I was told that the application included my social security number and date of birth. I asked how Best Buy obtained this sensitive information. XXXX told me the credit card application took place at the cash register when I made a purchase on XX/XX/19 at Best Buy store # XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. XXXX recommended I speak to the manager at that store. 
I went back to the store and spoke to " XXXX '', the acting general manager. She printed eleven pages of the " ejournal '' for my transaction on XX/XX/19 showing the transaction line by line. There was not sensitive information in the ejournal. She said she would look at the security tape for that day and call me back.

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 2019-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One credit card company received a payment electronically from my bank, XXXX, on XX/XX/XXXX, but did not post the payment. Called Capital One on XX/XX/XXXX, and supervisor made 3 way call to XXXX to verify that payment was made. 
Capital One gave me a credit on XX/XX/XXXX statement, then reverse the credit on following month statement. Made numerous calls to Capital One on XXXX and XXXX, and it was promised that they will fix the problem, but has not done so. Now I received a letter from Capital One that I need to contact my bank for unauthorized transaction. I made all my payments to Capital One through electronic withdrawal. 
Please help me to resolve this issue. I want my money back. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible XXXX XXXX XXXX {$53.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} CHAPTER XXXX BANKRUPTCY DISHCARGED 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 explanation
Consumer complaint received 2018-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
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 was added as an authorized user on a USAA Secured Credit Card without my permission. I am not legally liable for this card. Closed on XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Experian Information Solutions Inc.
State: NC
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 submitted written disputes to Experian in reference a inaccuracy of reported Child Support account. In my dispute, I asked for the agency to validate debt by providing me the written contract between me and the Child Support Agency that reported the inaccuracy. The only response I have received was the online dispute results that reportedly " Updated '' that the debt still exist.

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 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In 2016 I was involved in an auto accident caused by a third party. The third party had insurance that covered the cost of the replacement of my car as well as my medical bills. This bill is from that accident and I was not found responsible for this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquires : 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 : : All this inquires on multiple occasions are fraudulent.

Company response to consumer: Closed with explanation