BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
Company: Bridgecrest Acceptance Corporation
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been off from work since XX/XX/XXXX due to covid 19 I contacted my finance company bridgecrest to shut down my auto pay I had set up because I knew I wasnt getting anymore checks from my job and I had to file for unemployment the day before I called them they had just taken a payment my payment is due every two weeks I explained to the lady that I didnt have an exact date that I could make a payment because I had to wait for unemployment to start up she said ok 3 days later I receive a call asking me did I come up with the money or date I can pay even when the account was not even pass due yet. There after I have received a call from this company everyday harassing me about a payment I finally just received my unemployment this week I made a payment so Im 1 payment behind they called 3 times in one day pressuring me to make another payment. This company has no empathy for whats going on in this world they are bullies who are stressing people out more than they already are by calling them multiple times per day demanding payments that some of us just cant make at this time. They even threatened repossession on a few people and I think it is ridiculous and they should be stopped i have enough stress right trying to pay rent and all my other bills and they act as if they are the only important bill that needs to be paid no sympathy at all their agents are rude and absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. ACCOUNT NUMBER:XXXX  XXXX XXXX XXXX  ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. ACCOUNT NUMBER:XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. THEY ARE PUTTING ACCOUNT ON MY PROFILE THATS NOT MINE PLEASE REMOVE THEM

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 2021-07-08
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Rec'ed in the mail, at my work addr : U.S. Federal Courthouse, Southern District of Florida , a letter showing that I owe almost $ XXXX to XXXX and this company was attempting to resolve the debt. I have no XXXX Accts and all new accts must be approved by me in advance. Additionally, the mail was sent to the job addr and not my home addr shows it to be fraudulent. Wrote a letter disputing the acct and that I have filed a compliant with you. Mailed dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Navient Solutions, LLC.
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:
RE : DECLARATION of challenge checking for federally mandated REPORTING COMPLIANCE and REQUEST for CORRECTION ( S ) or DELETION ( S ) of INACCURATE or PHYSICALLY UNPROVEN or NOT COMPLIANT INFORMATION per FEDERAL AND MY STATE LAWS. 
To whom it might concern. 
Not an entity today exists that can certifiably ignore its mandated obligations to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself.Per the metro 2 data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIFICATE the verification and validity of the following claims or DELETE NOW : ALL navient accounts on my credit profile. 9 in total

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Experian Information Solutions Inc.
State: AL
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:
According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX XXXX - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX  XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report

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 2020-04-29
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CFPB case # XXXX I received a letter from Equifax today that they have resolved my issue. Problem is, they sent it to my address with the other person 's name - stating that they have changed their address to mine. 
So instead of separating it as they were supposed to, they made it worse. 

Equifax case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
some on open this account under my name and have late payments and max out CC, XXXX and XXXX, XXXX giving me hard time with no explanations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: KEYCORP
State: NY
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:
In XXXX, I had an active credit card with XXXX XXXX XXXX  ( " XXXX '' ) which experienced fraudulent charges. XXXX removed the charges and I closed the card. In XXXX, Keybank acquired XXXX and the fraudulent charges were reactivated as a due balance in error. Keybank was aware of this error and in XXXX they notified me that the charges are not valid and to disregard any statements asking me to pay a past due balance and they said they would close out the account. 

On XX/XX/XXXX I opened my first ever Keybank checking account and enrolled in online banking with Keybank. Upon signing in for the first time I saw a credit card linked to my profile with a balance due of {$240.00} and with a payment due date of XX/XX/XXXX. I immediately called Keybank to understand what the credit card charge related to - I had forgotten about both the XXXX and XXXX issues described above. After spending XXXX on the phone, having been shuffled around to eight ( 8 ) different groups, I hung up the phone to attend to my full time job. Each group told me there was nothing they could do, in some cases I was transferred to the same group twice, and one group ( online banking ) even told me " it wasn't there problem. '' I called back about an hour later and I was put into a queue for a supervisor on the credit card service team to call back when they are free.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
hello well my experince with my mortgage XXXX  c/o phh mortgage has been traumatize .i have ask XXXX  for refinance and take money out from my equity so we starded this proces on XXXX and sent and appraisal pretty much all the compamy police requeste and we did all they ask sent via email and fedex .well they have lied to me and to my loand person XXXX  .there responce has been always that they never receive nothing or got lost there excuse has been lost never receive we have try pretty much everything. am so stress out tired off them. its now XXXX XX/XX/21 and every time me or XXXX  agent calls them is ur case payoff is in review well my health is not well off all this procese with my phh mortgage i ask for help please tell me how to get them to relice my payoff so wellsfargo can finish this proces.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Experian Information Solutions Inc.
State: ID
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 send letters to Credit Bureaus for months and I don't seem to get anywhere! They refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2020-10-12
Company: AmeriCollect
State: WI
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:
AMERICOLLECT INC Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 am XXXX XXXX, and I am the author and owner of the account listed within this complaint. 

This is not a duplicate. 

This complaint is based on a Tradeline reporting on my credit report, from the Original Creditor - Capital One. This account, was opened in XXXX, and closed in XXXX. 

It is still appearing on my XXXX  report. A dispute was filed with XXXX  directly, but it remains. 

Capital One - is still sending the Tradeline, with a Last Reported date of XX/XX/XXXX in my screen shots from XXXX, and my XXXX 

The general rule for retention is - at maximum, this alleged positive account - will remain on file for 10 years. 

Its been almost 14. 

Additionally, and even though this account is closed - this tradeline is being reported as - 1. Elements of an OPEN ( not closed ) Account 2. Having Available Credit = XXXX XXXX. Credit Limit of XXXX XXXX. NO PAY HISTORY - no CLS, Pay Rating Please delete this aged out account, that is reported inaccurately to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Huntington bank in XXXX, OHIO. 
Their stupid atm is not working. I drove 50 miles out of the way to get there to deposit cash. The atm said " this can not be completed at this time '', I tried 3 times!!

No deposit could be done, it did not even ask if you were depositing cash or check.

And their drive up atm is loaded with a ton of spiders and stink bugs!!! TONS OF SPIDER WEBS AND ON THE LIGHT FIXTURES OUTSIDE, AND SOME WENT IN MY CAR!!!!

DISGUSTING!!!!!!!!!!!

AND THEY DO NOT ANSWER THEIR PHONE, IT GOES TO VOICE MAIL!!!!

FINE THIS BRANCH BIG TIME!!!!!!!!!!

THEY NEVER RESPONDED TO THE LAST COMPLAINT I PUT IN EITHER!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Ability Recovery Services, LLC
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: Account information incorrect

Complaint:
ABILITY RECOVERY SERVICE XXXX XXXX XXXXXXXX XXXX, PA XXXX This account is listed as being 4 months old. The account is actually 2 years old. Ability states that they will not change it. This is fraud.

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 2020-04-29
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received harassing phone calls from collectors 2-3x a WEEK regarding this debt.I have about 32 different phone XXXX phone numbers blocked within my phone.Last XXXX I received a very harassing and abusive phone call from a male collector regarding this account and I did give my time to him as well as explain I had XXXX XXXX and from XXXX to present underwent XXXX and had many complications with XXXX  XXXX as well.Since I was XXXX XXXX, I could not receive any benefits from state or federal help.I applied for XXXX twice and was denied.Given the lengthy process, I gave up. I am also a single mother who does not receive child support. 
I was not looking for a hand out or free ride I was just trying to explain my situation. 
He said my health conditions and employment status held no prospect of relief from this debt and I need to pay it regardless.He threatened to contact my bank and said he would be sending it to an attorney if I did not pay it within 2 weeks from that date. 
He was rude and threatening.He started asking me to give him my bank information and he could take a payment now to avoid further calls/ interest. 
I was not home, I did not have my banks routing number or even my checkbook. 
I remember exactly where I was during that call, at the beach with my son. 
So when I offered to call within 24 hours to try and come up with a solution he said well good luck with that, this was your final warning and it will be sent to a collection attorney, get a lawyer. 
I was beside myself and consulted with a family member and they told me not to call and wait it out. 
I did.From that time in XXXX of XXXX and present, I have received multiple calls weekly, and up until XXXX, daily. 
I am now receiving letters from an attorney.The first was in XXXX, dated XX/XX/XXXX and most recently yesterday dated,XX/XX/XXXX.Please advise as I want to improve my credit score and pay the debt if necessary.I live in RI. 
I am able to pay some of my debt due to my stimulus check and to stop all these harassing letters/calls. 
Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX ; XXXX and Transunion are reporting incorrectly late payments in XXXX, 2019 for the XXXX XXXX  partial account number # XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I made two consecutive payments in XXXX and my regular scheduled monthly payment in XXXX which brought this account caught up and current to date. These late payments should not be reflected on my credit report. This incorrect reporting is harming my credit score.  Please remove these late payments from my credit report.

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 2019-06-25
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i obtained my credit report and seen inaccurate information with a company i had no dealings with. upon my further investigation this company claims i owe money to them for services i have no knowledge of. this company refuses to furnish me anything validating and verifying that this debt belongs to me. this is hurting my credit rating and my livelihood and ability to provide for me and my family. my XXXX kids and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
After My HSBC Master card has been stolen.for one hour, I did call to report the HSBC representative to close the account. She promised to close the account and to take care everything that I was not responsible for after the incident. Later on HSBC called me to deny what they said with me before. Therefore, I send them the incident report that was endorsed by the club manager where the incident happened as well as the case report number from police departments and the name of police officer who was taking care of the case. I have already mailed all of supporting documents to HSBC. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am writing regarding Claim # XXXX in the amount of {$3000.00} on my checking account XXXX. When I opened this claim on XX/XX/XXXX, i was advised by Bank of America that my account would be credited within 10 days. I explained to Bank of America that my mother had placed an order for an item that was never received and this business, XXXX New York, subsequently filed for bankruptcy and is now permanently closed. Given these circumstances, I asked Bank of America 's representative to notate my claim accordingly so that the Claims Department would be aware that this business is no longer operative and unlikely to ever respond or cooperate in returning my funds. 

Last week I was informed that I would not receive any credit until at least XX/XX/2020. Bank of America is asking that I wait nearly three months to recover my funds. I have incurred fees and returned checks as a result of this. Please assist in resolving this matter. 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 monetary relief