BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I previously sent out a dispute letter to update my personal information but nothing has updated. According to the FCRA all information on my credit report should be 100 % accurate including my personal information. I should only have one name and one address. My name is XXXX XXXX XXXX, any other variation should be deleted. My current address is XXXX XXXX XXXX XXXX XXXX, 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 2021-05-12
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I bought a car ( XXXX XXXX XXXX XXXX from XXXX. XXXX was Bridgecrest.I made my first payment on time to the address they gave me in XXXX, Az. Got a collection call that I was late. Sent proof of that check but was told it had to go to XXXX. I stopped pymt ( {$30.00} ) they were to reimburse me. Never happened. 
All pymts made after that. XXXX XXXX in XX/XX/XXXX. XXXX XXXX in XXXX. ( XXXX XXXX XXXX XXXX They sent payoff to Bridgecrest ( $ XXXX  ) Bridgecrest said they never received it. They were told by Bridgecrest to send it to XXXX. Collection calls continued ... saying they will report me to credit bureau. Then I called them again and they said they have the check for payoff but it was {$120.00} short. XXXX in XXXX mailed them a check overnight for {$130.00}. This was XXXX ... XXXX XXXX is finance at XXXX ... XXXX The account with Bridgecrest still shows delinquent. No one can tell me if they got the {$130.00}. Check ..mailed to XXXX, Az. 
The contact person at Bridgecrest XXXX XXXX. 
Communication with this co. Has been hell. Threats to report me as delinquent, adding more interest. Checks still not applied as of today XX/XX/XXXX ... XXXX XXXX When I call the number for Bridgecrest, I get collectors. Not nice people at all. I have been harassed, humiliated, and now my credit may be ruined. They have the money for payoff ... in XXXX, Az. They say I cant talk to none in Accounting So I have no recourse other than to file a complaint. I will sue them if this goes against my credit. I sent them the tracking numbers, the check numbers from XXXX XXXX in XXXX. Need help. This company Bridgecrest has many complaints listed ... I wish I had checked before. This is XXXX finance company. My credit score is XXXX. Not bad. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tx. XXXX XXXX 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 2022-03-30
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person

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 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2021 Capital One has been attempting to collect a {$500.00} credit card debt from me that is not valid. Capital One has also violated my consumer rights by sharing my private information. Also i have been charged interest which is another violation of the Fair Debt Collection Practices Act. I've attached a document showing the violations committed by capital one The following violations have been done here : 15 usc 1692 ( 5 ) 15 usc 1692f ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call on my work phone. Caller ID showed a local Cell number so I thought it was a valid work call. When I answered it was a lady From National Credit Adjusters. they were calling daily so I answered today because again I thought this was a work Issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX my father XXXX XXXX XXXX opened an acct. with XXXX XXXX for a loan of {$7400.00}. My father passed away on XX/XX/XXXX. I was contacted by XXXX XXXX XXXX in XX/XX/XXXX via being served to appear in court for this debt. I contacted XXXX XXXX and XXXX XXXX   stating this was not my card and they told me my credit was used to obtain the card which i find hard to believe because my credit score has  been below 550 for several years. My info is : XXXX XXXX XXXX XXXX / XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Ph # XXXX. 
XXXX 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 2022-09-10
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act the below have have violated my rights, XXXX XXXX  XXXX Account Number # # # # # # XXXX. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Media Collections, Inc
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:
On XX/XX/2022, at about XXXX, I was robbed by armed robbers who went away with my vehicle and other valuables including my wallet which contained my drivers license and other bank cards. The XXXX  police was notified and the case number is XXXX. Apparently, my ID card has been used to create and loan goods from XXXX XXXX at several locations. Media collections, Inc. XXXX Joseph , Mann & Creed which is a collections company contacted me with 3 different bills as follows : account number XXXX charged {$3900.00} Account number : XXXX charged XXXX Account number : XXXX charged {$4000.00} I did not make any of these purchases and I do not know if many other accounts have been charged claiming to be me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: AMERICAN EXPRESS COMPANY
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:
I was informed today that the American Express Company changed the address on the corporate card of my former employer of whom I left in XXXX of XXXX. They did this without my permission. I asked them only to send me copies of back bills so that I could make fraud charges for expenses made after my retirement. They had no right to do this. I phoned them again on XX/XX/XXXX and said I did not " request this change. '' After speaking with two agents, they refused to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold fr om   XXXX   XXXX   ( which I 've never had any problems with ) to   Freedom Mortga ge.  XXXX  notified me of the service transfer on   XX/XX/XXXX ,   indicating that the payment switch will occur betwee n  X/XX/17  and   XXXX  . However, FM did not contact, notify, or inform me of how to pay  until  XX/XX/XXXX   - over two fu ll weeks after the service change.  <P/> I understand that no late payments can be charged within 60 days of the service transfer, but it is also my understanding that FM had the obligation to notify me of the transfer " no less than 15 days *before* the effective date of transfer ''.  <P/> I am concerned about having FM service my mortgage given their infamous customer service, accounting practices, lack of professional standards, etc..

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 2022-09-10
Company: Experian Information Solutions Inc.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is fraudulent in regards that the security interest paid for all obligations. USAA continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. USAA has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. USAAs unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive. 
USAA continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities in regards to the Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) for the debt in dispute as well as the validity of the debt, or any portion thereof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Loantopia
State: CA
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, XX/XX/XXXX, and XX/XX/XXXX LoanTopia LLC. Send me A notice of settlement offer. That read Upon further review of your loan account with us, we have determined that you are eligible for the following settlement : 40 % of Balance of {$9200.00} But on XX/XX/XXXX small claims court enter a judgment for me to pay LoanTopia {$2600.00}. The have tried to get me to pay more than the judgement many times but I only have documents for the day listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Strategic Alliances, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
First Financial Asset Management Inc, contacted my father on  XX/XX/XXXX  to attemp collection on a debt i no longer owe in  the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place.  <P/> I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt.  <P/> This debt was originally accrued in   XX/XX/XXXX .  It was completely pass the statutes of limitations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on   X/XX/17  and  are proceeding to sale set fo r   XXXX   - the lender  is in violation of regulation  X-12 USC 2605 ( e ) ( 1 ) and the clients right  to counsel.

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 2022-09-10
Company: EQUIFAX, INC.
State: NY
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 Report Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX, HAS VIOLATE 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 report agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of the date of this letter you XXXX XXXX  /Target XXXX has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: SC
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A letter was sent to TransUnion credit bureau to get an account removed from credit report which is false. The incorrect item still remains on my credit report which should be removed. Also did not respond within 30 days.

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 2020-06-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The following accounts and debts currently listed on my Equifax credit report are fraudulent accounts and debts : XXXX XXXX XXXX  XXXX, {$260.00}, XXXX XXXX XXXX  XXXX, {$62.00}, XXXX XXXX XXXX, {$500.00}. The following credit inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX. The following information is incorrect : 1 missed payment with XXXX XXXX XXXX. All of payments to XXXX XXXX XXXX  has been on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Bridgecrest Acceptance Corporation
State: AR
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 d purpose. 
XXXX 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 2022-03-30
Company: Experian Information Solutions Inc.
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:
Hard inquires XXXX XXXX XXXX XXXX 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 2017-04-13
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient has made it impossible to make payments on my loan. They would only take close to XXXX a month. My loans has since doubled because I am never able to make that large patent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Unlimited Progress Corp
State: IL
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:
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Creditors Discount & Audit. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8

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 2019-02-17
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I signed up for overdraft protection for my checking account with TD bank on XX/XX/XXXX and I was misinformed multiple times about how it worked. I was told on XX/XX/XXXX that I could write a check out for my rent and car payment and I had 60 days to get my account positive and that it would not affect my credit and the checks would not bounce. Well after a couple of weeks all the checks I sent out bounced and until I talked to a supervisor around XX/XX/XXXX he finally told me I had to have my account positive for a check to clear. I stated to him that I had told numerous customer service representatives that I had lost my income and that I was given the correct information. I was only given back about {$170.00} worth of overdraft fees and my account is still negative {$730.00} today.

Company response to consumer: Closed with explanation