BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have started a payment plan with the company to continue making payments on my car loan and they are to begin making positive notations on my report to the bureaus. My credit report shows the car remaining in charge off status. I was struggling with payments during the pandemic and still managed to keep the payments going. I would like to have the payments made to the company to be reported to the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: IA
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:
I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
i have been paying a monthly fee on my amazon store credit card account for the credit card insurance to protect my account and pay my account in cases of XXXX or other reasons and i have filed claims and request the balance be paid in full since i am no longer able to work due to permantley XXXX and the card security has failed to do so only making the Minimum payment on my account and causing me to get charged additional intrest fees and causing my account to over limit and on top of that the credit card insurance fees every month, i feel this is a scam and fraud that be charged these high premium insurance fees and when i apply for the insurance protection that i am titled to they always decline the claim based on nothing.

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 2021-09-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing a XXXX alleged debt that is on my credit report since XX/XX/XXXX. They say the account was open in XX/XX/XXXX. I have disputed with the credit bureaus, XXXX, XXXX, and Experian, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. All credit bureaus sent me generic responses/ credit reports that say valid or verified. They never sent me any additional information on how they verified and any documentation bearing my signature. I have also disputed directly with XXXX and all they send me are invoices. The dates that I disputed with XXXX is XX/XX/XXXX & XX/XX/XXXX. The amount of the alleged debt that XXXX is stating that I owe is {$110.00}. I know that's not a lot but I refuse to pay something that is not mine. This situation is causing me emotional distress and due to this negative mark I have been unable to get a better paying job. I have also been denied credit cards due to this negative mark.

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 2015-06-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other

Complaint:
Synchrony Bank- Amazon has denied me statements and my full account number. When I complained about my account status and not having full account information they blocked my online access to my account altogether and I have screenshot to prove. The XXXX time I tried to contact them by phone I had to go through horrible automated system and then wait XXXX minutes on my lunch break and never got through. The XXXX time I tried I got through and when I told them I was worried about my account and that I was worried about its effect on my credit report, the agent avoided my concern. I was told my account has been open since XX/XX/XXXX. I told them this could n't be I never heard of Synchrony bank until they started leaving me voicemails beginning of XX/XX/XXXX. After researching it found out that Synchrony was formerly GE Capital Retail Bank and I was n't notified of the bank name change either. What the agent said next was terrifying, he mentioned my XXXX credit card. How did he know I had a XXXX credit card? I did n't disclose any such information to him and he should n't have such information. I did n't want to draw attention about this suspicious business practice so I did n't mention anything more about my unrelated XXXX card. I am so concerned about this company 's seemingly illegal practices I am going to send a request to XXXX to have Synchrony Bank barred from my credit report altogether.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XXXX, attorney XXXX XXXX ( fired ) XXXX XXXX filed a foreclosure against me, I have no mortgage, I have a paid in full. From XXXX XXXX XXXX. The lawyer knows its fake, he received the PSA from me, it clearly states no assignment was TRANSFERED, there is no trust or trustee. The lawyer handed Robo assignments in and brought a fake witness to to TESTIFY. Referee XXXX XXXX XXXX XXXX, tampered with minutes from hearing, inserting a witness on minutes, entire proceding was recored. I sent copy to court reporter. XXXX XXXX. When she seen herself on film, she stated XXXX XXXX mad her do it. Fraud in the FACTUM.they stole my Mail, signed my name to a electronic transfer of FUNDS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2021-09-06
Company: Experian Information Solutions Inc.
State: MN
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:
These inquiries i do not recognize or authorized and would appreciate them being removed. 

XXXX- XX/XX/21, XX/XX/21, XX/XX/21 XXXX- XX/XX/21 XXXX- XX/XX/21, XX/XX/21 XXXX XXXX- XX/XX/21 XXXX- XX/XX/21 XXXX XXXX- XX/XX/21 XXXX XXXX- XX/XX/21, XX/XX/21 XXXX- XX/XX/21 XXXX XX/XX/21 XXXX- XX/XX/21

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 2016-06-24
Company: Student Assist Plus LLC
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I paid a company by the name of XXXX ( XXXX XXXX XXXX XXXX ) a lump sum of money to start a loan consolidation for me. I found out last week that none of my loans were not consolidated and never have been and I recently filed a complaint on them. Today I 'm filing a complaint on Student Assist Plus witch is a company that XXXX works closely with. I have been paying Student Assist Plus {$30.00} through automatic debt from my checking acct for the loan consolidation. I found out that none of my loans have never been consolidated through XXXX witch is the company mu loans are through. A young lady from XXXX called me about my loans being late again I told them my loans are consolidated. The young lady tells me it is not in her system that they are. I have heard this before. I recently called Student Assist Plus about the same thing, telling them that XXXX has called saying my loans are not in consolidation. The man from Student Assist Plus told me that XXXX is just trying to scare me into paying my loans through them and ask me to fax the papers XXXX sent me. So I did and never heard anything from them. Well this time around XXXX calls again and says the same thing my loans are up for payment. So I explain to the women my loans are consolidated, she says she does not see that information, I began to get upset and ask why do they call me all the time when I have paid to have my loans consolidated. The lady transferred me to XXXX XXXX XXXX. I spoke with a lady there who looked up all my loan and told me my loans are not in consolidation and never have been. Again I spoke with Student Assist Plus and I ask for them to refund me my money that have been drafting out of my account and also the lump sum of money I had to pay to start the consolidation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: CO
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:
Since XX/XX/2021 I have been disputing with XXXX XXXX XXXX and they have not opened an investigation on this account at all. Equifax is in clear violation of my consumer rights and not honoring the FCRA rules regarding timely investigation. Attached is proof of my disputes that have been sent to Equifax since XX/XX/2021. At this time I am requesting complete removal due to passing timeframe of investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: AARON DELGADO AND ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I withdrew from classes at XXXX University with a documented medical emergency. The documents were sent in over-night mail to the main campus. The issue was not addressed and they did not respond to my correspondence. Instead they billed me for classes that I only attended ONE day. They sent information to the credit bureau in attempt to ruin my credit, this is what I was told. This happened in XXXX 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Empowerment Ventures, LLC
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a direct deposit account the Rush Card. On XXXX XXXX, 2015 i had a deposit into my account of {$1200.00}. I am missing {$300.00} out of my account. I deducted my transactions that were listed on my statement just to make sure, and i came up {$300.00} short. Now I am locked out of my account altogether and they are making it hard for me to receive my money. 
The bank that Rush card uses is XXXX XXXX XXXX, Ohio XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: Data and Contact Management Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing on behalf of my mom 's estate in regard to the very poor service with events after her passing. I called XXXX after her passing and spoke to a XXXX rep in the deceased section around XXXX/XXXX/16. I asked that the card be cancelled and the final statement be sent to us to pay. I noted our intent to pay in full at that time, even though the XXXX rep noted we were not personally obligated to pay, only the estate was. The rep noted that a statement would be sent shortly and cancelled the card. 

XXXX did not send a final statement to us until XXXX/XXXX/16, only after a follow up call to XXXX on XXXX/XXXX/16. I was upset after having received a number of debt collection calls from DMC, which XXXX uses with on closed deceased account holders. 

We subsequently learned ( XXXX XXXX - XXXX/XXXX/16 ) from XXXX that the account was written off and turned over to a collection firm ( DCM Services XXXX XXXX XXXX XXXX MN XXXX ) that XXXX uses. 

The DCM firm stared to call around XXXX/XXXX/16 leaving no messages on why they were calling. Finally DCM got thru to me on XXXX ( DCM ref # XXXX ) to explain why they were calling. I told them we had not received the proof or support of a final statement, until I had proof it we would not pay. DCM noted they would put in a request to XXXX, which did not happen. The only thing DCM sent ( XX/XX/XXXX ) was a letter asking for info on whom to contact for payment. 

I then started to get daily calls on the matter, each from different persons at DCM, each one wanted to know when we would pay up. My response was send me proof of a final statement. Finally on XX/XX/XXXX the DCM rep started to ask about my mom 's estate and her assets that could be used to settle the amount. Which was very unprofessional. I told them I was ending the call. 

I then called XXXX direct on XX/XX/XXXX the XXXX rep was very helpful and noted that XXXX did not follow thru with our initial request of XX/XX/XXXX for the final statement and they would get one out shortly. I finally received it on XX/XX/XXXX and have enclosed the final check ( # XXXX ) in the amount of {$550.00}. As I refuse to deal with DCM. Please inform DCM that the amount has been received and paid in full and they are not to call us further on the matter. 

I would like a letter from XXXX that notes receipt of the {$550.00}, no further payment is due and DCM has been advised that no further calls are to be made to us. 

I will be filing a formal complain on DCM with the CFPB and states consumer affairs departments for XXXX and XXXX where I reside on the behavior of DCM and XXXX on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: ORG GC GP Buyer, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted GC Services in XXXX XXXX to advise that i was not in agreement with the amount that they claim that I owe XXXX. I was advised that I needed to contact XXXX to address. We also discussed that i have equipment that I need to return which would drastically. Reduce the amount due. I contacted XXXX and returned the equipment reducing the balance by over {$1000.00}. XXXX advised me that they would have a supervisor contact me to discuss other charges. i then made contact with GC Services and provided an update. I advised GC Services that I was working with Dish as I was not in agreement with the amount of XXXX claim. The representative at GC Services requested that I make a good faith payment on the account while I work with XXXX to resolve. I made a payment of {$75.00} to GC Services three days later I received an alert from my credit monitoring service that i had a new collection. I immediately contacted GC Sercices who advised that there was nothing that they can do. Since then GC Sercives has updated the item on my credit report six times within a one week period. They even took the amount due back to the original amount. This seems to be retaliation for disputing the item. With them updating the item it makes it look as if it is a new item. GC Services sent an updated Dish bill in XXXX XXXX the bill showed the XXXX payment that I made to GC Sercices it also reflected the returned equipment. The date on the XXXX bill is XXXX XXXX XXXX. The bill was never sent out to me. XXXX does it have any of the debt collection language. Why would XXXX create a new bill for an account that was closed in XXXX or XXXX of XXXX. This further shows the deception of the collection practices. This bill was only generated when GC Services was challanged to do a debt validation. I only had service with XXXX for three months. I canceled the service due to service issues and the overall customer service exoerience I had in the shirt period of time i had the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Account information incorrect

Complaint:
XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.

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 2020-08-04
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: Public record information inaccurate

Complaint:
I have filed two credit disputes with Experian in regard to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. Experian responded to my first request. The response letter was dated XX/XX/2020. Experian stated on page 1 the following, " The company that reported the information has certified to Experian that the information is accurate. Experian obtained through a third party vendor XXXX. '' I know for sure that Experian failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. I sent a letter to the US BANKRUPTCY COURT in XXXX, GA on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, a letter postmarked on XX/XX/2020. There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I have an account on my credit from a company called XXXX XXXX XXXX XXXX. I sent them a dispute because I had never heard from them, nor had I ever heard from the original creditor about the alleged said debt. According to them they are collecting on behalf of XXXX XXXX?? 

There is currently and has never been an account on my credit from XXXX XXXX. I have never even heard of them before. However, I received an alert about my credit that XXXX XXXX XXXX XXXX placed account number XXXX on my credit in this regard. 

I immediately, contacted them by way of a certified letter which they received. They have failed to respond to me, it's has been over 45 days. The account remains on my credit and they changed the status to report as closed. The account doesn't not belong to me and it need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: PA
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:
It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation