BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX, 2017 I made an online payment of XXXX for my car loan for Bridgecrest ( formerly XXXX ). When that payment posted to my bank account on XX/XX/XXXX Bridgecrest had taken those funds twice. I then called my bank and they reversed one of those payments due to Bridgecrests error. On XX/XX/XXXX, I checked my Bridgecrest account and noticed that they had reversed my payment on their end and charged an NSF fee. I then called Bridgecrest where they continually told me that the payment was stopped. I explained that the payment was reversed by my bank due to them pulling it twice. They said the only thing I could do was send a bank statement as proof the payment came out twice and was reversed once. I asked if there was another means of providing proof since my bank statement wouldnt generate for 2-3 more weeks. They then said that it must be my bank because other banks will provide it and I could only resolve it with a bank statement. Once I received my bank statement on XX/XX/XXXX, I emailed it to them. After a week of no notifications, I called and verified that the statement was in fact received. The manager said that it would be sent over to the treasury department to be fixed and she saw that there were 2 payments made and one reversal. She also assured me that the collection calls would stop while they fixed it and it should only take 48-72 hours for the error to be resolved. Today, XX/XX/XXXX, I had to call them because I have continued to get collection calls and the issue still hasnt been resolved. When I called the manager told me that after research they never received the payment and it wouldnt be fixed. I then spoke with XXXX who was extremely rude and after not taking no for an answer she asked that I emailed her my statement again for research. I asked how long before she got back to me and she couldnt answer my question. Bridgecrest is essentially stealing my money and do not want to fix an error that was made by them. I am having to call and email information over and over with no resolution. Also, during this time I have only received automated collection calls. No calls from a live person or a letter to inform me of what is going on.

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 2021-12-01
Company: EQUIFAX, INC.
State: MD
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:
Equifax failed to follow XXXX XXXX in regards to inaccurate information reporting to my credit report. I have notified them several times regarding inaccurate payment status and account numbers reporting on my report for my XXXX Accounts. Please see the attached letter for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
American Express has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Aargon Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone use my personal information and or name in the city of XXXX, and I have advised these companies that it was not me and they send me to a collection agt which is trying to collect a debt that is not mind, XXXX XXXX XXXXXXXX for {$170.00} and Aargon collection agt for {$380.00} 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 2022-04-26
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Ocwen Financial Corporation
State: MN
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:
There was a charge off a XXXX mortgage in 2021 in my credit report by Ocwen. This is not mine and they are illigelly doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX XXXX someone open a PayPal account In my name which doesnt belong to me Ive called and explained to this come over the last 3years this is not my account and it was never opened by my they stated that because it has my address its my account when I spoke with a representative they stated that the email were not the same but the house address matches so they trying make me responsable for paying the account of {$670.00} in which I have no problem paying if this were my account so Im reach out to have someone help me clear my name of the identity theft that has been created by someone else thank you 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 2021-12-02
Company: Experian Information Solutions Inc.
State: NY
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:
Im requesting Experian to remove immediately The account of XXXX from my credit report for fraudulent charges done by XXXX XXXX to my account number XXXX I sent to Experian more than XXXX court pages of this fraudulent charges and I XXXX XXXX is sending this proves today on this website Im requesting again to Experian to remove this account from my credit report base on fraudulent charges to my account Im sending XXXX pages of court prove, enough evidence to remove this account from my credit report. 

The court pages explained how XXXX XXXX committed the fraud, alteration and others things Also Experian never have sent me a single letter explaining why this account still on my report or the kind of investigation Experian have done Im requesting over and over to Experian to remove this account based on fraudulent charges that is the only resolution I want

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 2022-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -FXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-06-04
Company: SYNCHRONY FINANCIAL
State: PA
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 rewards from credit card

Complaint:
On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX vacation at XXXX XXXX XXXX @ XXXX XXXX XXXX, XXXX, XXXX XXXX and used my XXXX XXXX XXXX which is supposed to provide a 3 % reward when used for travel. When I received my statement I noticed that I was only given a 1 % reward so I called XXXX XXXX ( XXXX XXXX ) customer service ( XXXX ) and spoke with XXXX on XX/XX/XXXX and she said she would check into it and correct it. I then received 2 letters dated XX/XX/XXXX from Synchrony saying the cashed earned balance is correct as previously indicated with no explanation of why I was not given the full 3 % reward. On XX/XX/XXXX, I spoke with XXXX who said that the sale was coded as insurance at XXXX and that I would have to get them to change the coding. I spoke with my travel agent XXXX at XXXX, who passed the info along to the XXXX billing department who stated that the purchase was not coded as insurance but was coded as a retail purchase, which is what XXXX uses for all travel purchases, and they said they have not had any problems with any other customers not receiving the proper rewards from their credit card companies. XXXX also recommended that I send a copy of my invoice to Synchrony. I called XXXX/Synchrony customer service again and spoke with a Supervisor ( XXXX ) on XX/XX/XXXX to pass along the info that XXXX did not code the purchase as insurance, I also asked him if he was aware that XXXX was a travel agent and he said he does know that is one of their business lines. He also stated that he could not correct the issue but that I could send the invoice to the General Inquiry Dept. at XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX. I sent a letter of explanation and a copy of my invoice in the amount of {$12000.00} by certified mail and it was received by XXXX XXXX at that office. I then received an email from that address, dated XX/XX/XXXX asking for more info by mail or to call customer service at XXXX. I called customer service on XX/XX/XXXX and spoke with agent XXXX and Supervisor XXXX, who both stated that there would be no change. I also ask what further information they were looking for and they had no answer other that to say that the purchase would only receive the reward at the 1 % level. I believe that I should have received a reward of {$360.00} and was only given reward of {$120.00} meaning that they are they are holding back {$240.00} which the invoice that I sent to them clearly indicates that the purchase made was for travel.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX, ( Original Creditor : ) XXXX, 15 U.S.SC 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-04-19
Company: Experian Information Solutions 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:
Experian DID NOT verify the information into XXXX XXXX XXXX remark on my credit report. They didn't verify the date that it was opened, they DID NOT verify the address and signature on the application, they did NOT verify the status, all they did was say it was updated. 

PER the FTC that is NOT a proper method of verification. Again, I have NO signed contracts with XXXX XXXX XXXX, the address they supposedly verified I never lived. So, how can they verify the information. Name and JUST SOCIAL SECURITY NUMBER? I thought when you applied for credit, you had to also put the address you resided in addition to your name and social XXXX 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 2017-07-06
Company: Douglass & Associates Co. LPA
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Regarding : DOUGLASS & ASSOCIATES CO., L.P.A. Entity No. XXXX, XXXX XXXX XXXX Incorporator. <P/>I am a third party and received a call from DOUGLASS & ASSOCIATES CO., L.P.A. <P/>on Thursday, XXXX XXXX, 2017 at XXXX XXXX <P/>on my personal cell phone where the caller, XXXX, representing DOUGLASS & ASSOCIATES CO., L.P.A. <P/>left a message attempting to collect a debt regarding another party. <P/>I, as a third party, have never given permission to communicate with my personal cell phone. <P/>DOUGLASS & ASSOCIATES CO., L.P.A. Entity No. XXXX, XXXX XXXX XXXX, Incorporator in violation of 15 U.S. Code 1692c ( b ) : [ W ] ithout the prior consent of the consumer given directly to the debt collector a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to a representive for centron Services about a levy put on my savings account. This person claimed he needed to call the processing center to see if the amount had been charged before he could talk about settling. The person from centron Services called me back stating the money had not been taken out of my checking account via the levy so I could pay them out of my checking account to settle for a lower amount. This was on XXXX/XXXX/XXXX. The representative stated that if I gave him the checking account information to process the settlement they would release the writ levy on my savings account. They charged the settlement amount to my checking account and continued to process the savings account levy which totals more than the debt that is owed and was misleading. I called to try and fix the situation and was told I would be refunded the amount that was not owed. The letter attached shows the amount that original levy was to be removed from my savings account, The photo of my checking account shows record of the amount that was processed for my checking account which totals more than the debt ever owed. I told the representative this was illegal to charge more than owed and she told me it was not illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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:
My urse was stolen several years ago, and someone started opening accounts in my name. I went to the police and did everything they told me to do to correct everything. I've been back and forth with these ppl for a few years trying to get these things off my reports. However, they are still reporting 2 items and a few inquiries that aren't mine. Please do something to help me get them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Experian Information Solutions Inc.
State: LA
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: Problem with personal statement of dispute

Complaint:
I submitted a request to XXXX to remove credit inquiries on my report that do n't belong to me. I 've called in reference to this ; they say they 've investigated but wo n't provide any proof to their findings. I submitted a dispute online and got the same thing. These inquiries do n't belong to me, they wo n't remove them, and they wo n't send proof that I approved the inquiries on 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 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trying to get a credit freeze at TransUnion. I mailed in all the information they said I needed ( drivers license, current bills ], etc. etc. ). 

I tried to do it online but their web site would not work for me. 

I tried to call them many times, but of course that was fruitless. 

Finally I got a form letter with a form to fill out and submit all the information that I had already sent to them before. 

Clearly they do not want to help me. 

Of course I could not get through on the phone. 

I will let my congressman know of my problems also. 

This is the same experience I have had with XXXX and XXXX. 

They should be required to give everyone an automatic freeze and let us opt 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 2022-04-26
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Had a Mortgage with XXXX XXXX  XXXX XXXX XXXX and made my mortgage payment on XX/XX/2022. XXXX XXXX  had transferred the loan to Shellpoint Mortgage however when doing it XXXX XXXX  did not notify Shellpoint Mortgage regarding the XX/XX/2022 that I had made and therefore now Shellpoint mortgage is trying to collect from me the XXXX mortgage payment. Also, not all the accumulated escrow funds were transferred from XXXX XXXX  to Shellpoint mortgage

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX, I am writing because of a continual problem regarding a mortgage loan with Ditech Financial, LLC. I am desperately in need of a resolution as I have done everything requested of me by Ditech in order to be approved for a Deed in Lieu. It has been over a year, that I have been trying to avoid foreclosure and return the property to Ditech Financial, LLC. XXXX representatives have been very rude, demeaning, and completely disrespectful 95 % of the time I have spoken with them. Calls have stated they are being recorded, so I know there is proof. In XX/XX/XXXX I was deemed XXXX due to a work injury while working in the XXXX XXXX XXXX XXXX. Though struggling while depleting my savings, I remained in good standing with my payments until XX/XX/XXXX. During this time I have made numerous efforts to try and resolve this ; short sale, rent the home, have a married couple take over the payments, and to no avail Ditech has drawn this matter out without good reason. They have offered a modification, but that was what caused the problem only to worsen the current payments. I am in no condition to keep or maintain this property. I have vacated the premises as of XX/XX/XXXX as I could not even afford the household bills. I can be reached at XXXX by phone or by email XXXXXXXXXXXX. Since I am not at a stable location at the moment, you can also mail correspondence to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. Thanking you in advance for your immediate attention and assistance with this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation