BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: Bridgecrest Acceptance Corporation
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I stuck a XXXX in my car, the next day we called and started the insurance process, the following Thursday XX/XX/XXXX night we struck another one. Went ahead and filled a police report for insurance purposes. Once I spoke to my adjuster he decided to just keep one claim since the damage was primarily in the was same position. But with the second hit it made the car non-drivable. So Friday we went and got the rental car our insurance company provided. However once I revived the insurance check, I had to mail it to my finance company XXXX XXXX. When I first reached out to them they provided me an address to mail it to them ; took it to USPS and they told me they couldnt find the address so I finally got A address that was real. So over nighted the check to them on XX/XX/XXXX, it was revived on XX/XX/XXXX. However the address that was given to them was a XXXX XXXX of a bridgecrest represtive. Now its 10 days later and theyve yet to receive the check. And they cant tell me where its at. And my rental car time is running out. My XXXX son is having XXXX XX/XX/XXXX. And I have XXXX other small children. And they cant tell me where at XXXX dollar check is at and have no interest in finding 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 2021-11-06
Company: EQUIFAX, INC.
State: DC
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2019-05-05
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:
This is primarily in regards to Both XXXX, Equifax and XXXX with specific focus on XXXX and EQUIFAX : I have unsuccessfuly been able to reach to ANY actionable results with XXXX over the course of the past two months as it relates to disputing inaccuracies and false information on my Credit Report. The same is True for Equifax. 

My last attempt with XXXX failed as every time I attempted online to find a way to dispute derogatory collections I was directed to " provide my credit card information '' without any explanation as to why or what is was going to be used for. So " Accessing '' my credit report through XXXX involves a forced " Payment Plan '' before even being able to " Dispute ''. 

Through many hours of research I finally got a customer service number to reach a " human being '' and guess what?, pretty much like Equifax, I was now speaking to a XXXX who was asking me for my Personal Social security Number. This was something I was not prepared to give out so willingly and had to ask several times if I was speaking to an American based office in which I was finally told " No ''. 

I went ahead to explain my issues and sought clarification as to why I was being asked to provide my credit card information through a XXXX portal without being given reasons as to what I was paying for and this rep danced around the question as expected. Now lets be clear, I only want to dispute the following on My XXXX : -Duplicate Amounts from the Same Collection Companies - The fact that said Accounts ( Medical ) were not mine - Inaccurate/Similar Names on my Credit report which are actually family members -Inaccurate/Incorrect Addresses and Places of Employ This was a very similar issue or issues with Equifax At the end of it, this person, who grilled me from the XXXX on behalf of XXXX and Received my social security number stated that Her Department can not handle said issue and she would need to " Transfer Me '' to another Department. WOW!!! 
Disbelief and utter shock. 
I was then transferred but NOW, I was speaking to an XXXX Gentleman with a very strong accent who proceeded to re-qualify me before I could even get to my issues. I refused and He stated that he will transfer me to His American Counterpart. 
Of course, this without giving me a direct number. Needless to say, that number was not operational at that time when transferred and NOTHING was resolved on my end. 
This is NOT the way American Companies are supposed to Treat American Citizens of Residents. This is NOT right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: LA
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 letters off on XX/XX/2022 ( tracking # XXXX ) to remove personal information that i dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to15 USC 6802. No financial institution is suppose to share my information to third party people. THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXXmy 5/3 college checking account was debited $XXXX  for an "account dormancy" fee but I never received any notifications, phone call, or email from 5/3 regarding this. I emailed their customer service and XXXX XXXX replied with this message: 
"Thank you for contacting Fifth Third Bank. Your checking account ending in XXXX has become dormant. Electronic transactions cannot be performed to or from dormant accounts. Please consider making a mobile deposit, visiting a local Banking Center to make a deposit into the account, or withdrawal from the account. 

You may refer to the branch/ATM locator on the www.53.com website for Banking Center addresses and telephone numbers. It can be found on the top right corner of the homepage. 

According to the Dormancy Rules and Fees in the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet:

"An account becomes dormant after a period of inactivity of 12 months for a checking account and 36 months for a savings account. Inactivity means there has been no deposit into, or withdrawal, from the account. See the Fee Schedule contained herein for the fees associated with dormant accounts. Bank reserves the right to close an account if there is a XXXX balance and no activity for a period of time."

Once an account becomes dormant, a statement is sent notifying you that your account has been placed in dormant status. In addition, an annual statement is sent to all accounts in dormant status in XXXX of each year.

The dormant account monthly fee is $XXXX."

When I tried to withdraw my funds so I could close my account, I discovered it was impossible. Also going to a local physical 5/3 branch is impossible now due to coronavirus. So essentially 5/3 is holding my funds hostage and at the same time robbing me of my own money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Confirmation # XXXX On XX/XX/XXXX I submitted a complaint/dispute with Equifax and in this Complaint/dispute I made them aware that I was a victim of identity theft, I provided an FTC report/affidavit and a copy of my drivers license and Social Security card for security/identification purposes . Equifax responded to me via mail stating that upon reinvestigation, information you disputed has been received the results are : please contact the creditor directly and follow their internal fraud procedures inquiries are a factual record of file access. That is a direct violation of my consumer rights under 15 USC 1681i ( 2 ) Prompt notice of dispute to furnisher of information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Items disputed. 
Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
THIS IS A FOLLOWUP TO CFPB CASE # XXXX. XXXX XXXX XXXX reduced my credit limit without my request and against my desire. They claimed this was because of under-use of credit. UNDER-USE OF CREDIT IS STRONGLY RECOMMENDED BY ALL FINANCIAL PROFESSIONALS AND GOVERNMENT AGENCIES. Capital One refused to change the credit back to its prior level. CAPITAL ONE FALSELY INFORMED THE CFPB THAT THIS WAS SIMPLY A BUSINESS DECISION. That is demonstrably untrue. Please see line 4 of attached document " XXXX, '' where Capital One clearly states that what was done was NOT a " business decision '' but was a ***DENIAL OF CREDIT. *** This DENIAL OF CREDIT -- which negatively affects my credit score -- was done WITHOUT MY REQUEST AND EVEN THOUGH I HAD NOT APPLIED FOR ADDITIONAL CREDIT. Thus, Capital One made a FALSE REPORT TO THE CREDIT AGENCIES AND ALSO TO THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
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: Their investigation did not fix an error on your report

Complaint:
I have disputed items to Transunion for six months now, which they have fixed some of my issues. I am a victim of Hurricane Harvey. My credit is very important to me. I called everyone of my creditors right after the storm. They all agreed to postpone my payments to recover from the storm damages. Now months after the storm, Transunion is reporting I have late payments on my credit report when I know I contacted each creditor and arranged an agreement. And also, Transunion is reporting I have missed payments on student loans that are duplicate accounts. All of my school loans have been deferred for years now, because I am XXXX XXXX XXXXl. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.

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 2022-03-14
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A phone call was made on XX/XX/XXXX, to General Business Recoveries ( GBR ) regarding a medical Debt from XXXX XXXX XXXX ( XXXX ) in the amount {$150.00} from the year XXXX. 
I verbally disputed the debt then GBR rebuttal with a 'financial agreement ' signed by myself in which a copy was sent via USPS mail from GBR. I indicated to GBR I have not been to XXXX since XXXX or XXXX and any monies owed were paid in full. During this phone call GBR Recovery Specialist XXXX Ext XXXX made the threat to enter this debt on my credit report. 
Shortly, after disputing the debt verbally, a copy of the 'financial agreement ' was received via USPS mail from GBR. Despite the fact I verbally disputed this debt, GBR proceeded to enter this debt on my credit report. Another phone call was made on XX/XX/XXXX. I asked GBR Recovery Specialist XXXX Ext XXXX several times will the debt be deleted on my credit report as I did not owe any debt to XXXX, and why wait six years later to try and collect an invalid debt. I also stated the 'financial agreement ' was not a binding agreement specifically to this debt of {$150.00}. XXXX. The signature signed from XXXX is null and void. I declined itemized billing as I do not agree with the billing and due to the age of the bill as I can not verify anything with one of my insurances as XXXX no longer has the XXXX  contract. GBR Recovery Specialist XXXX Ext XXXX replied, that this is not going away. I asked several times would this debt be taken off my credit report, to which XXXX Ext XXXX refused to answer the question and hung up the phone without responding to my question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: VA
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:
unauthorized inquiries with out my authorization on my Credit Report .. INQUIRY By XXXX XXXX XXXX on XX/XX/XXXX And XXXX on XX/XX/XXXX. I Contact the Credit Bureaus Experian But No Action Was Taking on they in

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 2019-05-12
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: Their investigation did not fix an error on your report

Complaint:
On approximately XX/XX/2018 Trans Union took 38 points off my score. I've called them many times and no one can explain why. I have never been late with my creditors and have an excellent rating on my payments. my utilization rate is good and with all this my Trans Union score is only fair. What causes this injustice? 
.

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 2022-03-14
Company: EQUIFAX, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My wife and I purchased a vehicle that broke down before one month of purchasing it. We towed it to a dealership to fix it, the cost was too high. XXXX XXXX  XXXX repossed the vehicle. 
I requested a settlement, they agreed for me to make a {$1500.00} payment to remove it from my credit profile. After I made the payment since XX/XX/2021, I have been calling them. Every time I call they say they will remove it but they never did. They asked me to dispute it so That it can be removed faster, I did, then they replied it is accurate. That was the only money I had. I made a sacrifice to make the payment, now that they have taken the money, they refuse to honor their commitment. They played with my willingness to pay and they lied to me. 
Please, I need help. I have been unable to buy a vehicle since then, I am unable to go to work. They have caused me so much pain. I need them to remove this from my credit profile and compensate me for the hardship they have caused since XXXX of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX I tried both by internet and phone to contact this company to freeze both my credit and my husband 's credit. I could not get through and ended up mailing the information required to freeze each of our credit reports by XXXX Mail. I also sent XXXX checks to pay for the service for each of us. The mail was certified delivered and I have n't yet heard a word from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a collection notice from a company named Resurgent. 
Not only is this not my debt, this debt is from 23 years ago. The notice claims the debt was from the year XXXX ans is {$480.00} and {$1000.00} interest. 
I called Resurgent and they can not tell me the source of this debt because of the age of the debt, but told me they could sue for my assets. 
I told them this was not my debt The woman asked my to verify the last 4 digits of my SS # which I provided and was told the SS # they had was 1 digit off and it was probably a typo. 
Please I need help with this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To Whom It May Concern : I reviewed a copy of my credit report and [ XXXX XXXX ] ran an unauthorized credit inquiry on me on [ 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

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 2021-11-06
Company: R & B Corporation of Virginia
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX XXXX I learned XXXX XXXX, Acct # XXXX, was putting my final billing account in collections, then I got a strange Credit Monitoring message saying XXXX was introducing them, XXXX XXXX XXXX of XXXXXXXX XXXX XXXX, VA and my score starting going down. So since there was no phone number on my credit report for XXXX  XXXX XXXX, I went straight to XXXX and disputed not once, but twice with a receipt showing I paid the bill on XXXX XXXX in full. At that point i had never heard from the collections people, the following week I get a monitoring message saying my credit score dropped XXXX points because of this collections report that the reporting agency had verified AGAIN with XXXX XXXX XXXX as a viable debt that should stay as a collections item? I spent all of last week ( XX/XX/XXXX thru XXXX ) filing disputes with XXXX XXXX I am now on the 3rd dispute with supporting evidence that this debt was paid on XXXX XXXX. Every time I start with XXXX XXXX they claim its paid, but they have no control over their collections people? Yesterday my 2nd dispute through XXXX ( 4th total ) was rejected because XXXX XXXX XXXX is either IGNORANT or Highly Incompetent. I have called the number listed for them in the VA directories but no answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company at number XXXX has called me with a couple other numbers every few days but has called with this number on XX/XX/XXXX, XX/XX/2020 twice and XX/XX/XXXX. They are looking for someone else and i have told them repeatedly i am not that person. They said they will take me off the calling list but its been 6 months and they havent.

Company response to consumer: Closed with non-monetary relief