BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: Bridgecrest Acceptance Corporation
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 status incorrect

Complaint:
On my XXXX and XXXX credit report, Bridgecrest ( Account Number : XXXX ) is reporting an incorrect account status as Repossession and reporting a late payment every month. The accurate account status is Charged Off. I requested that this account be updated and the credit bureaus said that the creditor verified this account and it will remain as is. They have now verified it six times. Bridgecrest is deliberately reporting outdated information to intentionally degrade my credit score. The latest status is a charge off and no payment history should be reporting.

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 2022-08-08
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: Information belongs to someone else

Complaint:
Mailed a letter to XXXXXXXX XXXX by mail on XX/XX/2022 in regards to two Hard Inquiries listed on Credit Reports. 

There is an unauthorized Hard Inquiry from " XXXX '' listed on XXXX Credit Report dated XX/XX/2022, and XX/XX/2022. Spoke with an XXXX representative to dispute on XX/XX/2022. 

Also, there is an unauthorized Hard Inquiry from " XXXX XXXX XXXX '' listed on Experian Credit Report dated XX/XX/2022. Filed an online dispute on XX/XX/202XXXX 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 non-monetary relief
Consumer complaint received 2021-05-05
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX. I was receiving calls from Paragon Revenue Group, multiple times per day, every day of the week for about two weeks. I was not familiar with them and I only received generic voicemails. 
XXXX. On XX/XX/2021 I received a debt collection letter from Paragon Revenue Group. The letter was dated XX/XX/2021. 
XXXX. On XX/XX/2021, one day after receiving their debt collection letter, I promptly return mailed Paragon Revenue Group a XXXX XXXX XXXX XXXX via USPS Certified Mail, Return Receipt Requested. ( Attached ) XXXX. Paragon Revenue Group called me the morning of XX/XX/2021. 
XXXX. Paragon Revenue Group received my Debt Verification Letter via USPS Certified Mail on XX/XX/2021 in the afternoon. The Certified Letter 's Domestic Return Receipt was signed by XXXX XXXX. ( Attached XXXX XXXX. I used the Debt Verification Template provided by the CFPB to request more information about this alleged debt. I do not recognize Paragon Revenue Group as a creditor to whom I'm allegedly indebted {$1000.00}. I never signed any contract with this debt collector and I am not responsible for their alleged claims against me. ( Attached XXXX XXXX. I stated in my Debt Verification letter : " All debt collection practices must stop. Phone calls of any sort will be treated as harassment. Please direct all future correspondence to my mailing address above. '' Per my request, the harassing debt collection calls stopped. In an effort to resolve this matter, reduce the volume of calls, and to have all communication via written word only ; I maintained an open channel of communication with Paragon Revenue Group by instructing all return correspondence be mailed to my PO Box Mailing Address. The same address they mailed the debt collection letter to me on XX/XX/2021. 
XXXX. I allotted Paragon Revenue Group 30 days to respond to my Debt Verification Letter. I monitored my PO Box mail on a daily basis for an additional 18 business days. 
XXXX. I never received a debt verification letter. I afforded Paragon Revenue Group ample opportunity and time to respond : 30 days after they received my request to verify this alleged debt plus an additional 18 business days to receive their return correspondence. 
XXXX. Paragon Revenue Group failed to fulfill their obligations as outlined in the Fair Debt Collection Practices Act. I do not believe they are a valid debt collector nor do I believed this alleged debt is legitimate. It only took me one day to respond to their debt collection letter. I waited nearly 60 days for a response and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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:
Equifax had credit information from my husband and it bled over on my credit history. I was able to correct this easily online through my Core services with Equifax, but when I moved months later to a new address and applied for a XXXX XXXX XXXX, I was denied for credit because of the same information which had previously been removed and was no longer visible on my physical credit report, nor their website, was bleeding over again internally in their system. When I called today to speak with a customer service rep at Equifax, XXXX told me they would have to re-investigate the information & couldn't correct it as the website is in real time, but their information wasn't. This is unacceptable, so I asked to speak with a supervisor and was promptly hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Received an annual credit report for myself and my husband from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, Order number XXXX. Order dated XX/XX/2021, phone number XXXX. When I contact this number they say this is an annual credit report that is free to me annually. I have NEVER given XXXX any information or the ok to run my credit and they hang up on you once they tell you that. It is not right that they are able to run my reports. It says it is a soft him. I have worked in the Insurance business for 20 years. A soft hit does NOT send you your annual credit report. I am furious that they have taken my information WITHOUT MINE OR MY HUSBAND 'S approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
Looking into my files noticed that there are several things that are not correct. First up my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, NC XXXX my SS is XXXX-XXXX-XXXX. My DOB is XX/XX/XXXX. Please delete any variations of my name. There are SS numbers that are not mine XXX-XX-XXXX, XXX-XX-XXXXplease delete. 
Please delete the following addresses they are not mine : XXXX XXXX XXXX   XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX I tried several times to make an online payment, and to call in and make a payment. They kept saying there was a system error and that I needed to go to a local 5/3 location to pay. I don't have a local 5/3 location. Every time I tried to pay them I got this same error. I called and spent hours on the phone and they could never help me resolve the problem. buy the time I was able to make an online payment. it was considered late. and they charged me a late fee and reported me delinquent to the credit reporting agencies. This has happened several times in other months as well. Unfortunately, in this case it was to late for me to mail a payment. I was finally able to make a payment XX/XX/2018 for XXXX. but I was trying to pay the balance in full. It would not let me make a larger payment. I feel like 5/3 is intentionally causing error to get late fees. or in the very lease being negligent in addressing the issues to help clients make their payments. I spent hours on the phone. I have never had a 30 day late. and this is the second time it has happened with 5th third. both surrounding the same circumstance. they refused to correct the credit, and told me they don't save the notes. I paid the remaining balance of by mail, immediately after.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine

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 2020-08-23
Company: AES/PHEAA
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is reporting five accounts as negative accounts with late payments. When it should be listed as paid in full with zero late payments.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Nelnet, Inc.
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is reporting six accounts as negative accounts with late payments. When it should be listed as paid in full with zero late payments.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Credit Wise Recovery Solution LLC
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 information incorrect

Complaint:
Credit wise. DBA XXXX XXXX is nor updating my fico score. It's been. Stuck with same s ore since XXXX and up to today its still not moving

Company response to consumer: Untimely response
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: KS
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX 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 2021-05-05
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-05-05
Company: AMERISAVE MORTGAGE CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Received an annual credit report for myself and my husband from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, Order number XXXX. Order dated XX/XX/2021, phone number XXXX. When I contact this number they say this is an annual credit report that is free to me annually. I have NEVER given XXXX any information or the ok to run my credit and they hang up on you once they tell you that. It is not right that they are able to run my reports. It says it is a soft him. I have worked in the Insurance business for 20 years. A soft hit does NOT send you your annual credit report. I am furious that they have taken my information WITHOUT MINE OR MY HUSBAND 'S approval.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX the day before XXXX XXXX XXXX holiday, I selected to make a minimum payment and strangely, the whole balance payment was selected as well. Both payments were made at the same time and on the same transaction. I immediately called the next business day, XXXX XXXX, to stop the extra payment made in error. The XXXX statement showed 2 transactions on XX/XX/XXXX for the amount of {$1600.00}. XX/XX/XXXX, I received a letter from Bank of America telling me my payment was returned unpaid! The minimum payment was left in place. XX/XX/XXXX, I called BofA and was assured the letter was sent in error. However, the XXXX statement showed another transaction on XX/XX/XXXX for {$1600.00} and the balance had an increase of the exact error payment of {$1600.00}. XX/XX/XXXX, I went in to a BofA branch and spoke to the manager who informed me I had to speak to the credit card department. XX/XX/XXXX I called BofA to ask that my account be audited. The problem was not corrected on the XXXX statement. I mailed signature required letters to BofA on XX/XX/XXXX and XX/XX/XXXX asking for my account balance to be corrected. XX/XX/XXXX, I received another form letter and the balance is still incorrect. BofA has ignored my numerous requests to audit the account since 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 monetary relief
Consumer complaint received 2019-03-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
delay in processing application and after 45 min and talking to 3 people, i was denied a credit card from Citibank application ID XXXX i feel like Citibank discriminated against me because im 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 2020-07-03
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've been working with XXXX XXXX of Amerisave to refinance our home. Soon after I paid the {$500.00} application fee I have been stonewalled. I contacted them many times, even received a call from his manager XXXX. XXXX indicated my file was with an underwriter. That was over 10 days ago. They have all the information they need to get the loan financed. I have heard nothing. I advised them in the latest email that if I did not hear from them I would file a complaint and I want my {$500.00} fee back. Clearly I have not received what I set out to do - refinance my existing mortgage. I noted other reviews on Amerisave that they do this all the time. I sincerely hope this is not a scam, just poor service from one individual. Nevertheless I no longer want to do business with this company and I want my money back. I also want to alert others so they don't run into this same frustrating experience.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2019 This complaint is for Chase credit card I made a payment to my Chase credit card for {$300.00}, I Called the company to pay the remaining balance around {$800.00} I found out that Chase credit card company cancel the card Then Chase issue me a new card. 
After a few call to Chase credit card department, Chase again cancel me the card More calls about XXXX unresolved, I explain that I made a payment of {$300.00} And to have my card for use, But at that time they cancel the card again I made a payment of {$300.00} company did not comply to have my card back for use Im sending payment receipt for the amount of {$300.00} Chase continued asking to pay balance and I told then many many times that the remaining balance was to be paid, after I found out that they took the {$300.00} dollars but canceled the card They wanted the remaining balance paid and not let me use my credit card See payment to Chase credit card I have maintain a good payment history with chase as I have also bank account with chase for over 20 years I feel Chase has rip me off and has taken advantages I also explain to chase that I had family medical issue and that was the delay but payment where to be made but no positive results took {$300.00} payments and not credit card back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Security Credit Services, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Loan passed on to Navient who has me on income sensitive payments with no understanding of that while i make a good salary they have been increasing my payment requirements to upwards of 2-3k.  this is not manageable and my loan balance due to deferments has increased to over 300k. there is no clarity on this at all. i want to transfer my loan to another provider and I want to make sure that once i start paying it is manageable as well as that the interest they continue to charge is allowable. i was not aware of this increasing amount at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: TRANSWORLD SYSTEMS INC
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: Public record information inaccurate

Complaint:
Judgement was placed from XXXX XXXX loans for a proposed loan that exceeded the federal time limit. I requested proof and nothing was provided. Currently judgement is on my credit damaging my credit score.

Company response to consumer: Closed with explanation