BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-14
Company: Bridgecrest Acceptance Corporation
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am so hurt and disgusted by XXXX/Bridgecrest. I was 28 days past due on my car loan payment and I intended to make a payment before the 30 days past due mark. I called in on the XX/XX/XXXX to make a payment but my phone call was interrupted by an incident in my home. The XX/XX/XXXX is when I became a victim of XXXX XXXX. I was XXXX and had to run from my home. I called in a few days later to make a payment and when I did, the representative said that there would not be a penalty other than a late fee but there would not be a late payment reported on my credit report due to this circumstance. A week later, I checked my credit report and a late payment was added to my account after I was already told that I wouldn't be penalized. I called in and asked why this happened and the 2nd representative told me that the 1st rep meant something different. The 1st rep was very clear in saying that if a payment was made the day that I made it, there would be no reporting of late payments to my credit report. The 2nd representative said that was a lie and refused to forward me to a manager. I FEEL LIKE I AM BEING PUNISHED FOR BEING A VICTIM OF XXXX XXXX. I also contacted them by way of email, explaining the situation and hoping I would get a call back and I didn't. I even offered to send the copy of my police report to them to show that it was not a made up story and they handled me terribly. Now this is hurting my credit and has severely lowered my score. I can not get an apartment or anywhere to stay due to my credit score dropping and it's affecting both me and my XXXX year old child who is also a victim in this situation.

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 2015-03-28
Company: Navient Solutions, LLC.
State: WV
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient calls between XXXX times every single day. I have tried to talk and work out a plan until our financial situation improves in two months when we can resume normal payments to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX debt ( {$1900.00} ) was deleted by XXXX and I've attached the the deletion verification. I have been trying to get Experian to also delete this XXXX debt which was covered by insurance. This is a XXXX debt for a XXXXy which was 100 % covered by the Affordable Health Care ACT. Not sure why XXXX was able to delete the debt but Experian is not deleting the medical 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 2021-01-12
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 belongs to someone else

Complaint:
I disputed innacurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX, XXXX XXXX XXXX XXXX, In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2019-08-14
Company: EQUIFAX, INC.
State: AL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



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 2018-09-29
Company: EQUIFAX, INC.
State: LA
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:
My Equifax report cant be accessed by myself or my bank. After contacting Equifax XX/XX/2018 .. they advised me for the 7th time within a month that they are working on it and would either call or send a letter once the issue is fixed. Needless to say they never contacted me or fixed the issue. Im trying to purchase a home but can because the file is not excessable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
We were scammed out of {$5000.00} via XXXX. 

The scammed sent picture of phony bank account, fake Chase Bank automated messages etc. had us transfer {$5000.00}. 

Chase and XXXX both said we will not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I became aware that my internet service provider, XXXX, had made 3 unauthorized debits to my checking account. The last charge being very large, {$510.00}, taken out on XX/XX/2018 and today 's date is XX/XX/2018. I tried calling XXXX but they argued with me saying that I had approved it for them to make auto pay payments for my internet service. I told them that I had not and it all ended badly with my hanging up. I then went to my bank ( Wells Fargo ) to let them know of the charges. What it all boiled down to and what they told me was that because I still had an account open with XXXX they could not dispute the charges and could do nothing for me. I don't understand this because if I did not authorize them to start taking payments from my account then it is not their account to be going into. Not their money to take!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-29
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent about 3 or 4 letters to all 3 credit agencies about verifying the account listed on my credit report by the name NAVIENT, I have no idea who Navient is, I have asked the credit agencies to send me a copy of the original contract, with my signature on it to verify that this account belongs to me, they wont sent it to me, I have also sent two certified letters to the company Navient and they never responded to me at all, I asked the credit agencies how are they verifying this information if the company wont even respond to me, I was told that they verifed it electronically, I asked to be sent what was sent to them, I was hung up on, that was XXXX, XXXX, XXXX the same thing saying it was verified but not sending me any proof, they all tell me to contact Navient. I am clearly being ignored by Navient I have sent two certified letters to them and not one answer at all. I have sent certified letters to all three agencies XX/XX/2018, XX/XX/2018, XX/XX/2018, all at the same time. XXXX XX/XX/2018, -- XX/XX/2018. All letters were sent certified mail Navient is reporting that the high balance is XXXX charge off amount XXXX if this is true why cant you send me proof of this, the law states that a account must be verfied 100 % if it is being reported on your credit report, this is clearly not being done, these agencies feel like they dont have to comply with the law I have spoke to them on several occasions tonight XX/XX/XXXX XXXX, they didnt care about proof at all. I have all the letters that I have sent out if you need them I will mail them in to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
After hearing about the Equifax computer break in I went to the website to register for free crediting monitoring and credit freeze. I signed up XXXX/XXXX/XXXX. The website says it will send you a email in a couple of days to finish the registration. It has been 7 days and no email has been received. When you call the number they give on the website the only thing they tell you is they have no ability to check anything and wait a couple more days. If you wait and then call back they can only give you Equifax 's number which is continually busy. If you do get through and go through all the prompts to speak to a Equifax agent the last prompt they switch you to gives a busy signal. If you try again the same thing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: CORELOGIC 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:
A hard inquiry appears on my credit report. I believe it happened XX/XX/2017 while I was abroad. I did not attempt to secure a loan or do anything else that would have required a hard inquiry. The Creditor Contact Details are : XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2021-03-05
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Second PPP. Wells Fargo has not updated their application to reflect the changes the Biden administration enacted. I received the second PPP but am eligible for more money since the application should not be based on line XXXX from the Schedule C. The Biden administration has updated the application to assist businesses who do not have a profit and should be based on gross sales.

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 2018-09-29
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:
Our social security numbers were stolen in 2014 to file false tax returns & the thefts never stop. Last week it was XXXX XXXX. As instructed I contacted the XXXX Equifax to put a freeze on our credit. All it took was inputting my social security number and street number ( not city, state & zip code ). I get emails from the USPS with images of mail to be delivered that day. 2 from Equifax, one for me and one for my husband. My envelope from Equifax never arrived ( see attached image ). My husband 's letter included HIS PIN NUMBER WRITTEN IN Bold was on that letter. I don't know of any company WHO SENDS PASSWORDS via US MAIL WITHOUT ANY TRACKING INFO. I have made several calls to Equifax & tried to chat. There's a language problem, the reps in countries outside the US ( XXXX XXXX XXXX ) are extremely difficult to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: WELLS FARGO & COMPANY
State: TX
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:
My mortgage is with Wells Fargo at the end of the year they take my escrow and pay my home insurance and taxes. I have had Homeowners of XXXX insurance policy for a long time. I have paid my dues for 13 years and when I needed to reach out to them the call goes straight to a voicemail and no one calls me back ever!! I have been calling since XX/XX/XXXX and it is now XX/XX/XXXX with no call back. I believe this company is a scam and I would like some assistance.

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 2018-09-29
Company: M&T BANK CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
There is apparent misconduct on the part of the credit card company. I have attached the Affidavit and Exhibits referencing the misconduct and want to make sure that the appropriate person at the bank gets this information. 

This is the same documentation that I overnighted, on XX/XX/2018, through the United States Postal Service and mailed to M and T Bank Legal Document Processing at XXXX. XXXX XXXX in XXXX, NY XXXX. The bank should receive this document by Monday, XX/XX/2018 and I want to make sure that the issues in the attached documentation are received and addressed promptly.

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 2020-07-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ProCollect Inc put a balance of {$2400.00} owed to an apartment back on my credit after they put the account as discharged included in bankruptcy back in 2019. I contacted procollect and the rep said it was not included in bankruptcy when in fact it was. I verified this through my final petition and discharge paperwork. They have refused to remove this debt and now I have to take other actions to get it 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 2023-08-26
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I contacted the company directly regarding the UNAUTHORIZED credit inquiry appearing on my XXXX credit report. I informed them I had not made any application for credit products from their company. I was advised that the issue would be reviewed and resolved. It has been several weeks and still no resolve. I contacted XXXX directly to resolve the issue as well. To date NOTHING has changed.

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 2018-05-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XX/XX/XXXX, my XXXX XXXX credit card with a XXXX balance ( sold in XX/XX/XXXX ) changed to a charge off with a balance remaining of {$4400.00}. I disputed this item with XXXX XXXX and they verified it as accurate and updated the XXXX XXXX tradeline as dispute resolved with grantee. This tradeline is inaccurate and extremely damaging to my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Convergent Resources, Inc.
State: IL
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:
XX/XX/2020 I mailed a request to XXXX and XXXX  I havent received any documents back about the in accurate account not mine being removed theres no proof these are accurately my accounts. 

Convergent {$350.00} reporting from XXXX and XXXX Mailed dispute to XXXX. 

I have mailed dispute to XXXX  and still reporting XXXX Merchants Credit {$150.00}.

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 2020-02-03
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Commenity Bank continues to call my parents even after I filled a complaint. On XX/XX/20 they called and told my parents they were going to sue me. This is an illegal tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am a customer of XXXX XXXX in XXXX Transfer of funds to banks JP MORGAN XXXX $ After I realized that the company I worked with was making a fraud I complained to the SEC complaint number XXXX I asked the American banks for my money back And they refused me. The bank knows that these accounts are of crooks, and does nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To whom it may concern, My dedt I have with PayPal was brought by an attorney firm, which unfortunately I haven't been able to settle right away. I began receiving text messages from a company that is supposedly hired to collect for the attorney 's that brought the dedt. I called last week around XXXX XXXXspoke to a gentleman there who was actually pleasant to deal with, but wasn't able to make a payment with him. I called again today and spoke to a woman who was flat out abusive, threatening, and rude! I was offering to make a payment today and additional weekly payments till the debt was paid in full. I was concerned this might have been a scam so I asked if she can email/mail me a statement on the agreed settlement, when she said she's had it and that she'll tell her client to sue me for the full amount and hung up on me. HERE IS A COPIED AND PASTED TEXT MESSAGE BELOW ( I ERASED MY PERSONAL INFO ) : This text is from XXXX. This message is for XXXX -- - - -- -- we have a legally required notice with your name and SSN attached for legal review. You may call back XXXX with or without your attorney to discuss your current case in our office. While calling back please refer to Case # 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 2018-05-13
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the debt collection company has written me several times and I have told them that I didn't owe the debt. that I had cancelled the online course within 3 weeks. I had provided proof to them and I was told that I still owed the full amount of XXXX I have asked them to stop contacting me and that I only wanted to deal with the original creditor. I have reported this to the credit bureaus as well. meanwhile this company continues to update my credit file every month. I even requested that they show me proof that I owe this debt and as of today they haven't, meanwhile the company don't even have me in there system of oweing them anything

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 2019-08-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries done by XXXX XXXX XXXX, XXXX, XXXX were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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