BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called bridgecrest costumer service representative to ask for a payment extension. This information came from their website, it is to help people when they are in need. Well the young lady that I talked to, refused to address the program at first. She was a very fast talker and persuaded me to pay something as if it was going to help with the payment extension. So I paid {$150.00} out of {$420.00}. She asked if she could schedule a payment of {$420.00}. I agreed thinking this would help prevent me from receiving a late payment. She took my debit card information and immediately tried to take the money out right then. This resulted in an insufficient fund fee. The money that was deducted for the fee then decreased the amount available for the bill that was supposed to come out. So I ended up with 2 fees for that one as well. I had to pay over {$1400.00} in repairs and I pay for rides to go to work. So pushing the payment back would have been life-saving for me. So she didnt do the plan, I received a 30 day late on My credit report dropping me 75 points. This was what I was trying to avoid. I explained this to her. But she didnt care. I called customer dispute, but she told me after pulling the call that she didnt sign me up like promised and that she wasnt able to remove the late payment. Even though I followed the protocol. I havent had one bad experience with bridgecrest despite the reviews. Their website says they strive for customer service. I just want them to live up to it. This late payment just cost me my first home.

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 2020-11-18
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am disputing the accounts today as they are a result of identity theft, the Equifax Data Breach exposed my personal information to criminals who used my information to open several accounts in my name, my personal information will always be exposed to those who have used them against my knowledge to open fraudulent accounts. 



Under the laws of the FDCPA, I have contacted these companies myself and asked them to verify these accounts, and they have refused to do so. I have contacted the Consumer Financial Protection Bureau as well as the FTC and filed a report against your company for reporting this false information to my account. 



The FCRA requires you to verify the validity of any information reporting to my credit report, which you have failed to do so, as I asked 30 days prior to today for this account to be removed and your company has not done so. I am demanding that you remove these accounts from my credit file, as it is against the law to report these accounts. 



In the event that you do not remove these accounts from my credit file, I will not hesitate to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 



Remove : 1.XXXX XXXX  {$960.00} 2XXXX XXXX  {$1100.00} 3XXXX XXXX XXXX  {$650.00} 4.XXXX XXXX XXXX XXXX {$1600.00} The only name that should be reporting to my credit file is ( XXXX XXXX XXXX any other names should be removed . 



The only address that should be reporting to my credit file is XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) any other addresses should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a NY State Unemployment Benefits card that was forced on me and serviced by XXXX. I made a {$400.00} bill pay to myself test and it went trough. I then went and made a {$6000.00} transfer of all the funds I was unable to get off the card in another way. I have been trying to get in touch with their dispute department ( who I was told I had to speak with ) via XXXX  and the phone. No luck. After 4 hours on hold I still have no one. I am missing my money, they don't answer the phone and I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Wilber and Associates, P.C.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got into a car accident in XX/XX/2018 and i ahd know insurance well i tryed working out a payment plan with the insurance company of {$45.00} a month which is what i can afford cuz im on ssi well the insurance company never called me back to set payment plan up so now they forwarded it to wilber and associates and they are saying i owe {$2400.00} when the insurance company which is XXXX insurance said i only owe {$1000.00} i been keeping all papers sent to me to show a lawyer so now wilber is saying i have to pay {$250.00} a month or they are having my license suspended again in XXXX and i cant afford that they dont work with you or anything just keep calling to make threats

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 2020-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Good afternoon I'm reaching out because you have Send me a notification via email confirming that Bank of America account was deleted from my credit report however upon opening my credit score I can clearly see that it's still visible and available on my credit report. Again you have no evidence at all or any proof that this account belongs to me however I have a document attached with over 20 pages With evidence confirm that this is not my account again go over my documentation step-by-step and don't you dare to tell me again that I have not provided you enough information and that you somehow are able to verify this account and yet don't provide me with physical proof as you are obligated by federal law.

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 2017-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing the consumer credit reporting agency, TransUnion for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to TransUnion. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that TransUnion added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My last certified letter that I sent TransUnion was on XXXX XXXX 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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 been making complains to the credit bureaus about 2 deragatoriy items on my credit report that is unverifiable and the credit bureaus has refused to removed them although I have followed the guidelines established by the FCRA. I had written to the creditors Via certified return mail and they have failed to provide the documents to verify the XXXX and XXXX accounts. I sent the documentation to the bureaus which showed that the creditor has failed to provide proof of verification. I am asking the credit bureaus to please follow the law and delete the XXXX and the XXXX derogatory items from my credit profile.

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 2021-08-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Payments have never been late on my report it said late in XXXX and XXXX XXXX set up an auto payment to come out my account via a hardship relief program covid 19 and I have screen shot proven and they let my account slip the cracks and its unfair to me as a customer. I called XXXX and they assured me my account was ok and my credit report will not be affected. Now look!

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 2018-10-02
Company: Clark County Collection Service
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to correct this numerous times with XXXX XXXX as well as clark county collections to no avail. I was looking closer at the paperwork clark county collection sent me per my request, and on top of it not being my account, it has being grossly re-aged to suite them. according to them I was in XXXX XXXX until XX/XX/XXXX, and I had an account with XXXX XXXX which I didn't, now they reaged the account to the time when they got ahold of it in XX/XX/2016 which is highly illegal. they feel like they can do what they wish with consumers and get away with it because they have the credit bureaus in their pocket. this is the last time I complain about this on here and seek an attorney if I have to. I need trans union to look into this correctly instead of just asking clark county collections if it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I filed complaint number XXXX with the CFPB. In response to the referenced complaint, you claimed to take consumer protection obligations very seriously ; However, based on the evidence you provided in your response, regarding reference number XXXX, is it clear that your company is engaged in the ILLEGAL practice of re-aging of an account. 
Section 623 ( 5 ) ( A ) of the FCRA clearly states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Upon reviewing the information you provided in response to complaint number XXXX, it is clear that the account 's date of first delinquency ( DOFD ) was in XXXX of XXXX or a date earlier than XX/XX/XXXX reported on my credit file. While you claim that it is your right to report to the major credit reporting agencies, the act of knowingly reporting misleading information or engaging in account re-aging is ILLEGAL. 
By changing or failing to provide the date of first delinquency, the FCRA compliance date, it is clear your intend is to reset the clock so as to have more time to collect on this alleged debt. I would like to remind you that it is ILLEGAL to change the purge from date on a negative listing causing it to remain longer on a consumer 's credit report longer than allowed by federal law.

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 2020-10-15
Company: Porsche Financial Services, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I have never had a late payment in my life. I had a lease with XXXX that I terminated early and paid off. But yet, during COVID-19 when  Congress passed the CARES ACt to protect consumers ' credit, I was marked late in XXXX and XX/XX/2020. How is that possible? 

I had a 60-month loan that I paid off early and I get marked late after I pay it off? That does not make sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was at work at XXXX XXXX XXXX XXXX, working on my laptop with my cellphone beside me. I opened my mobile app on my phone to check my account balance and then logged out. After work I noticed my phone was showing no service, after getting it back on, I started searching through and thought to check my account. I noticed that my account had {$2000.00} extra dollars in it. My sons account is attached to mine and he was missing {$5000.00} of his savings. I then looked into the transactions on my account and noticed money transferred from his account to my account and withdrawn through XXXX and attempted through XXXX XXXX. {$2500.00} was withdrawn through XXXX and ready to post, while cash app had {$500.00}, still sitting there that they wouldnt authorize. I called my bank on XX/XX/XXXX, when I noticed this and told them of this. The transaction posted within 1 business day. They replaced the funds and then took it back on XX/XX/XXXX stating their investigation could not find the fraud that happened through them. They stated to come in and file a dispute with their decision and bring proof of the unauthorized transaction that they posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-20
Company: Specialized Loan Servicing Holdings LLC
State: GA
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:
XXXX XXXX # XXXX. 

SLS has admitted their error. Why do they need an additional 60 days to correct my credit report when they have admitted their error, and after admitting the error, reported me late to the credit bureaus. 

SLS is refusing to comply with the Fair Credit Reporting Act. They do not need 60 days to contact the 3 credit reporting agencies. A fax or an email takes 2 minutes. They are stalling, have poor business practices, and are refusing to comply with the Fair Credit Reporting Act. 

What are you going to do about this company?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent law enforcement report, ID, and utility bill to EquifaxXXXX XXXX XXXX XXXX so that they could block the fraudulent charges appearing on my credit report. I received communication via letters and over the phone that they ignored my dispute because they didn't think I sent it. So I have hand written my dispute and attached the previous dispute. The bureaus failed to respond to investigate the initial dispute within 30 days and are in violation of FDCPA. The items contain fraudulent charges and they were required to remove the items within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
This account was paid off in full but the company is still reporting inaccurate information on my credit report causing my scores to drop and making it hard for me to move on from here. I tried to work with this company but they are still affecting my life in a negative way. Covid has effected our lives and this company doesnt seem to understand this. Please have them remove all negative remarks and show this account as paid in full because it has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX is reporting inaccurate information on my credit report. Its showing an account is late when the account shouldnt be late and should be paid off and closed. Theyve lowered my credit scores because of this inaccurate 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
Consumer complaint received 2020-11-18
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This Company Convergent Outsourcing Inc. Claims that I owe then {$760.00} for a service from XXXX XXXX I contact XXXX and they telling me that I am not owe then any money I used to have my internet service with then but moved to XXXX XX/XX/XXXX and XXXX dont have service here so Since I dint have contrat with then I closed the account returns the equipment more than 3 years ago then Convergent Outsourcing star collection and threatening to damage my credit I have talked to many people and they never send me an ink copy of the contract they said I have fail to keep with 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 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX my bank that I had for years was closed and all accounts were transfered to BBVA. From day one there were issues with almost every communication that was sent previously to prepare for this merge. 

Then the day of I was unable to access my funds, a few hours even a day is understandable. I had to call NUMEROUS times to finally get through and get signed in. 

I quickly moved all my funds out and requested that all of my accounts be closed. 

They replied saying they have removed my savings from my online banking ( they didn't ) to which I replied I need my accounts closed and received no answer. 

Additionally I have tried to call numerous times today ( XX/XX/XXXX ) with no response and constantly being hung up on. 

I just want my accounts closed because I K ow they are going to try and force me to pay fees for some reason since this entire relationship has been full of lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRUIST FINANCIAL CORPORATION
State: NC
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 have been attempting to work with Suntrust on correcting the false reporting they are giving to the credit bureaus since XXXX. I opened the account in XXXX and they are currently not reporting anything prior to XX/XX/XXXX. They are also reporting me 60 days late on my mortgage every month from XX/XX/XXXX to XX/XX/XXXX as of my reports from XXXX. All three credit bureaus confirm this is how Suntrust is reporting me.

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