BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: Bridgecrest Acceptance 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Account opened XX/XX/XXXX Estimated date of last payment XX/XX/XXXX As of XX/XX/XXXX the principal amount of {$11000.00} had been paid, remaining Principal Balance {$620.00}. Amount Due of {$140.00} Due on XX/XX/XXXX. 

As of XX/XX/XXXX the principal amount of XXXX had been paid, leaving a remaining balance of {$0.00}. Amount Due of XXXX. Due now. 

As of XX/XX/XXXX the was reporting payment overdue. Total amount Due. 

As of XX/XX/XXXX Total amount due is {$0.00} The full balance was paid in full as of XXXX. I was never late on any payments. I called to check the status on my title and was told I had a balance due of {$130.00}. I ask for them to mail me out a Invoice to reflect the amount due, this was agreed upon, so I waited and waited and waited, nothing was ever sent. I called over 20 times to figure the balance and to get something in writing, with no resolution. Why would I pay the loan completely off to then start missing payments, this doesn't make any sense. 

As of XXXX XXXX as 60 day past due alert was given and said that I owed {$300.00} pay by XX/XX/XXXX. I simply ask for a bill or something explaining this amount, but I was told there was not anything they could provide to me in writing. I expressed my concerns and ask if it could be something unofficial but I was never provided anything in writing and I was ask to pay the amount and dispute it later. I made a payment of {$130.00} on XX/XX/XXXX. My credit dropped XXXX points as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Beginning XXXX XXXX, 2017 public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and XXXX ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier XXXX XXXX XXXX XXXX and they have confirmed that it was not there on their 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 2022-05-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I the consumer Demand you cease and desist pursuant to federal law 15 usc 1692c ( c ) I demanded the debt collector cease and desist reporting inaccurate information on my credit report I have 20 accounts 18 open and 2 closed also hard inquiries on my account and its fraudulent you are in violation if you continue to report anything without my consent you do not have a permissible purpose to report this info pursuant to 15 usc 1681b. After Ive sent you a letter and filed a complaint stating this.

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 2021-02-17
Company: Carvana Group, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
1. I entered into a consumer credit transaction with Carvana on XX/XX/XXXX for a used car. 
2. On the application page they asked for my personal bank statement and utility bills which they are not supposed to ask for in a consumer credit transaction in which a finance charge is in involved. ( Pursuant to 15 USC 1605 ; the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. ) 3. After I filled the application and got approved, they gave me a date for delivery of the car. 
4. They then sent me an email requesting current bank statement which the bank hasnt yet updated so I couldnt provide. 
5. Because of this they denied me credit and requested more personal financial information without respect to my personal privacy as a consumer. 
6. They pulled my consumer report without a permissible purpose under the Fair Credit Reporting Act. 
7. I dont have an account with them under collection nor review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Access Credit Management, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ask for a credit report, which I received. I noticed I had a collection from Access Credit. on XXXX XXXX I called Access Credit RE : XXXX XXXX for {$62.00}. I paid over the phone with XXXX XXXX XXXX and ask him to take this off my credit report, he stated he would. XXXX XXXX 's phone number is XXXX located in XXXX XXXX, Arkansas .This account was paid by my checking account from South Carolina XXXX XXXX XXXX XXXX 
I would appreciate if you could help me resolve this matter. The reason this happened and I fell way behind my XXXX XXXX away. 

Thank You, XXXX XXXX XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an ally bank auto loan which I am a co-borrower on. I pay the payments not only onetime every month, but I make extra payments. Despite this, Ally Bank Repossessed my truck and marked my credit as charged off debt per the attached screenshot from my credit report. I have never been late on this account per the attached payment history. I want the CFPB to conduct an investigation into this matter please.

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 2021-02-17
Company: The Thomas Agency, Inc.
State: ME
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:
Collection Account being listed. Collecting for a medical bill that was to be paid for by the VA, in regards to ongoing XXXX treatments.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
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 had made payment to one of the vendors on XX/XX/2018 and their collection agency told me that they sent a letter to Equifax stating that the account was paid in full, on XX/XX/2018. 

I just got an alert today and upon logging in I noticed that particular account was still showing as unpaid on their system. I contacted Equifax and they said their system is up to date. I told them that I have a copy of letter from collection agency telling them that the amount is paid in full. 

Equifax could not explain this. I asked to speak to a supervisor in their U.S. call center, they transferred me to supposedly their U.S. call center but nobody came on the line for 15 minutes. 

How is it that this is allowed to happen? Why aren't their laws against the complacent attitude that these credit reporting bureaus have towards consumer? One person tells me that they will call me and another person tells that they don't have capability of calling back. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: CITIBANK, N.A.
State: CA
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:
Account Number XXXX Amount of {$4900.00} Account Number XXXX Amount of {$2000.00} Account Number XXXX Amount of {$430.00} I did an FTC report and sent it to each credit bureau on XX/XX/2021.

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 2021-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed false reporting XXXX  inquiries I have not inquired about, on my credit report. I have mailed a request XXXX  XXXX XXXX  WFDS XXXX  have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021, XX/XX/2021

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 2019-11-20
Company: MacDowell & Associates, Ltd.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On the evening of XX/XX/XXXX, i received a letter that was not certified by my employer payroll department that i had a notice of wage garnishment from MacDowell & Associates, Ltd on behalf of XXXX XXXX XXXX XXXX. I did a voluntary repossesion in XX/XX/XXXX, the car in question was never reported on my credit report. Per speaking to a rep from XXXX XXXX XXXX, by the name of XXXX, ext. XXXX there will correspondence from his company that were sent to me stating this car was never on my credit report on multiple different occasions, and they were going to " make the necessary corrections due to the error they caused ''. The vehicle in question was charged off on my account for $ XXXX, MacDowell & Associates claim that they are garnishing my check for {$12000.00} which is by far not the same amount. MacDowell & Associates then claimed i was served a court notice in XX/XX/XXXX, which was false. There is no file of service listed for the case number that is assigned to this. In XXXX of XXXX, nobody including myself was at this residence or in the state at this time. The process server who attempted to serve me, claimed a person who was at my residence did not provide their information to them and was " penalized for perjury '', and may i add the person they described they supposedly " served '' this notice to would have been an officer of law which would have then made him question this person further if that was the case. Per my then conversation that i had with a Mr. XXXX who is a representative of MacDowell & Associates rudely told me that the person who attempted to serve was going to get paid regardless if i was served or not which is not the correct process in the state that i reside in ( California ). As i then continued to try and stop this attempt to garnish my paycheck, per MacDowell & Associates i had to overnight a down payment of {$500.00} via XXXX XXXX, which would then start my monthly payment of {$150.00}. But there is a possibility the garnishment would have not stopped, but i need to hurry up and get the payment in because the person who is handling this " case '' Mr. XXXX would be out of town for a week and there would be nobody there to handle this situation in a timely manner. I also explained to Mr. XXXX my current situation of being a XXXX  XXXX  full time in school, and that i was an on call employee with my employer. He still felt that was not enough information to rectify the issue at hand. I provided an itemization list of my bills and copies of my pay stubs that also showed that my income was not stable, and according to XXXX, that was not enough for him to budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I received an email that my Coinbase account has suspicious activity. So I took the steps Coinbase recommends and paused my account. Now when trying to reactivate my account I am unable to login, receive password reset links to my email, or receive emails from Coinbase in general. I opened tickets as well as spoken with customer service representatives, but no one has been able to help. I would like to regain access to my account. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: EQUIFAX, INC.
State: ID
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:
I have a dispute in with Equifax. Confirmation XXXX. It was submitted in XX/XX/XXXX 2017. It is still in " Pending '' status. When I try to contact Equifax over this, they continually state my credit report does n't match my file and I need to contact them over the phone. I can not contact them. The call remains unanswered, or when transferred, remains unanswered. I just want the Confirmation XXXX resolved. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: FinCo Services Inc DBA Current
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The online banking Current offered a {$500.00} sign up bonus, that is why I signed up for it. I was on my app XX/XX/22 and put the code in for the {$500.00} and it was accepted. I contacted them that day by email and they asked me where I got it and I am pretty sure it was XXXX because I just screenshot it so I would have it. I sent them both screenshots that I have and they still have not responded back to my email. The 2nd time was in a chat through the app and they said they were not going to honor it. Which I am very upset about because the code was accepted and they should have to honor there words. I counted on this money, thats the whole reason I signed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: NJ
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:
n accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX have all violated my rights. 

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 2021-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX XXXX, 2021 - XXXX XXXX,2021 13 payments of {$540.00}. a payment of {$270.00}, Then on XXXX XXXX,2021 for ACH of {$5400.00}. And I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX  for 1 year. I supplied police reports, medical document, FTC report of fraud. Picture Id from the hospital in which all other personal documents were stolen from me. All totaling to {$14000.00} now and I have pending eviction for non payment.

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 2022-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 reporting act XXXX  account # 's XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$98.00}, XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$4800.00}, XXXX XXXX XXXX  XXXX {$5000.00}XXXX XXXX XXXX XXXX  {$160.00}, XXXX XXXX {$2200.00}, XXXX XXXX XXXX$0.00}, XXXX {$0.00} XXXX has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-10-23
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke with XXXX XXXX, loan XXXX at HomeBridge Financial Services , Inc ober a week ago about what types of loans are available to purchase an investment property and whether I would be eligible to take out said loan. First contact was over the phone. I told her I was not comfortable filing an application yet as I did not want a hit on my credit and would feel more comfortable if she would review my financial paperwork first and only info I would give her to make a preliminary determination. She assured me she would do so and send me a link to the application via text. Once I filled out the application, there is a box to check to give consent to lender to run a credit check next to the submit button. I made sure not to check the box since I did not want to have my credit pulled, and before submitting the application, I texted XXXX  again. She again ensured me, in writing this time, that she would not pull my credit and for me to go ahead and submit the application so that she may review it. I clicked submit and she confirmed she received it via text. To my surprise, the following morning, I received a credit karma notification that my credit had a new hard inquiry and that my credit score was lowered by XXXX points. I immediately texted XXXX. She apologized, blaming her assistant but saying that he did not know not to pull my credit despite the box not checked, clearly not giving my consent for such inquiry to be done. She said she would give me a copy of my report as apology. I explained that I was not okay with her way of doing things. She then made a determination of my eligibility solely on the tax return paperwork I had submitted. I then adked her what she was going to do to fix my credit since, if she had not been XXXX, there would have never been any need to pull my credit in the first place, which I was trying to avoid all along. She refused to try to " fix '' her mistake but sent me emails saying that there was nothing to worry about, that inquiries did not affect credit scores anyways. I told her that XXXX states that inquiries do lower scores, and will appear on the credit history for XXXX years. That she needed to contact the credit bureaus and explain that she made a mistake so that my credit could be restored and that if not, I would have to contact CFPB for assistance. I also told her that as a licensed professional, she owed me duty of care when I entrusted her with my sensitive info but she was XXXX or XXXX  when she betrayed that trust and pulled my credit despite giving me her word not to do so. Needless to say how outraged I am at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America set up a XXXX XXXX XXXX machine for me when I went to the bank in early XXXX. I went in the bank for a different purpose but I was rushed into signing up for the service. I was told that I can cancel at anytime if I do n't want it anymore. After several months of the service, I realized I was being charged fees even when the machine was not uses or used occasionally. Recently, my business account was closed with no explanat ion as to why. I then switched my service to a different bank since I cou is not bank with Bank of America anymore. Since then, I started receiving letters threatening me that I owe oover {$1800.00} and most recently that if I do n't pay, it will be reported on my credit. When I reported at the branch, I was told that there was nothing they could t hat all t hay can do iis to connect with with t he company. I did not understand this. I need to return the equipment and walk away from this deceptive arrangement.

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