BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
From XX/XX/2022 to XX/XX/2022 I get repeated calls over an alleged debt that regarding a vehicle a purchase with someone. 
The people who are claiming the debt is owed can not provide me with any verifiable evidence such as the bookkeeping showing the date they loan me the money or credit or where they received the funds from to loan me the money or credit. They also refuse to send me a validation letter signed under penalty of perjury so that I could have thier full name to file a criminal complaint against them for trying to extort me. 
I have sent the CEO of Bridgecrest documents to address this matter but the CEO failed to respond. 
They call me EVERYDAY, almost. Sometimes, twice a day while I'm at work, even after I sent them a letter to CEASE and DESIST from calling me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Jonathan Neil & Associates, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They sent me a letter on XX/XX/2019 stating I owe them a debt. They have since been very disrespectful and harassing towards me. One specific person Mr. XXXX XXXX has told me on multiple accounts that he will have my drivers license suspended, that I am irresponsible, that I am a child, I am immature, I have poor financial responsibility. He is very rude. Today (XX/XX/2019) he called me 6 times from a blocked phone number. He left me an anonymous message stating his name and that he “suggests I call him back by close of business today” intending a threading “or else” message. I’m very sick of it. I tried to be kind and work out a payment arrangement with them and he has done nothing but make threats and be disrespectful and belittle be as a person. They should not even be allowed to practice given the fact that they have horrible reviews everywhere. Be aware of them! They are violation the fair debt protection act!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This complaint is against Trans Union. 
I have contact Trans Union in number of occasions of an abnormality with my credit report. 
I am enrolled with a credit monitoring with TransUnion, named " True Credit. '' Whenever there is a change, new account, major derogatory listed, account information posted on my credit report. I will get a notification. When I opened several new accounts in the past, for whatever reason - they will never show up on my TransUnion credit report - however I will get a notification that it did. So, a few months ago, I requested my credit report from TransUnion and a huge envelope arrived - with XXXX credit 'profiles ' attached to my social security number. I spoke with an FCRA attorney, the term is called " split '' profile. Meaning, I will see XXXX credit report, creditors will see another ( or in my case XXXX ). For a number a months I have disputed this requesting TransUnion to fix this - however, I will get the same automated response by them sending me a new report with no new information updated. Additionally, I have attached my reports with the " You have been on our files since : '' circled XXXX/XXXX/XXXX - I was a minor at the time, XXXX years old! 
XXXX/XXXX/XXXX XXXX/XXXX/XXXX Each report has its own information. 
This irregularity has caused me not to be granted credit - not able to see what is going on with my credit report and dispute its inaccurate information. I would like to add, whenever creditors pull my credit report - it appears to them that I have filed bankruptcy, which is not true. I believe that Trans Union has committed and violated federal laws - and concealing what is actually on my credit 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 non-monetary relief
Consumer complaint received 2020-04-09
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020 I completed an XXXX XXXX XXXX  application for the XXXX XXXX XXXX XXXX XXXX through Barclays Bank Delaware. The application that I signed indicated in writing that the {$100.00} annual fee would be waived for the first year. 

After I was approved for the credit card and was checking my balance, I noticed that my account had been charged a {$99.00} annual fee on XX/XX/2020. 

I have called the credit card company twice and they refuse to honor the agreement to waive the annual fee for the first year, because I don't have a copy of the credit card application.

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 2016-12-31
Company: BBVA FINANCIAL CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was notified XX/XX/XXXX that my account had been frozen because the bank noticed a Security/data breach to my account. When I was able to contact them XX/XX/XXXX I was told they would only be able to unlock my debit card one time for an ATM withdrawl. I had informed them that in two days ( XX/XX/XXXX ) there would be a direct deposit from my employer that I would need access to in order to pay my rent, utilities, gas for transportation and food but that I needed access to the funds that were currently in the account in order to put gas in my car so I could drive home from work, 40miles away. They did unlock the debit card that evening then locked it down again. On XX/XX/XXXX the direct deposit from my employer credited the account as I had told them. I called again and was denied access to my debit card. I was then told I would be able to do an electronic transfer of funds to an outside account, but when I attempted to do so, I was not able to. When I called again they said they were mistaken and I would not be able to transfer funds after all. I then demanded a check immediately be expedited to me to be in my hands no later than XXXX XX/XX/XXXX. To which their response was I would get a check only AFTER they had completed closure of my account and that could take up to two weeks!!! 
This is n't THEIR MONEY ... ITS MINE! I earned it, I trusted them to keep it safe and they messed up and now they 're holding MY MONEY hostage! 
I ca n't wait two weeks to eat, to have gas to get to work every day, to pay my rent or my utilities! That 's not acceptable at all, not in any way, shape or form! 
We 're not talking about " extra cash '' someone may have lying around, this is EVERYTHING I have! My ONLY source of income! My only means for paying my everyday living expenses and they can only say : " Sorry for the inconvenience ''!? I 'm furious! I 'm beyond words with how angry, disappointed, violated..I feel!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: CORNERSTONE MORTGAGE, INC.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been challenged with medical expenses compounded by tax obligations tied to a previous complaint with XXXX. I am writing to ask for the CFPB to review the policy for loss mitigation practices for Cornerstone Mortgage. I applied in early XXXX 2015 asking for consideration on a 6-12 month modification. They acknowledged receiving and asked for additional information. They state that they do not consider the options until deemed facially complete. My application was denied as we are not passed due therefore not at risk, the purpose in my applying was to avoid that situation and the potential increase in borrowing based on their reporting to the Credit Bureaus. To compound the stress with the situation Cornerstone continues to have their telemarketers call asking when I will make my payment even though a late fee is assessed for being outside the XXXX grace period. The mortgage is not past due until the XXXX of the month. I believe the language should be reviewed on loss mitigation for the consumer to understand you will not have any option until you are past due. In addition Cornerstone should not be advocating applying for a loss mitigation package and the ensuing documentation required if the consumer will not even be considered. To apply for the loss mitigation and continue to receive calls even though I am not past due is some form of harassment in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: FL
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:
Since XXXX I have been trying to have a Debt Collection company removed from the Credit Agencies ( XXXX, XXXX, and Equifax ). 
The negative reporting was removed in XXXX from XXXX, in XXXX it was removed from XXXX, as of this date Equifax will not remove the dispute. Five requests have been sent to Equifax with the last one sent XX/XX/XXXX. Equifax dispute online via internet does not work properly and phone calls achieve nothing but a run around. 
All disputes with Equifax have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION IS REPORTING MANY INACCURACIES AND FALSE INFORMATION ON THIS ACCOUNT. I HAVE DISPUTED THIS MANY, MANY TIMES. 
TRANSUNION IS INACCURATELY REPORTING THE " DATE OPENED DATE '' AS XX/XX/XXXX. 
XXXX IS REPORTING A DIFFERENT " DATE OPENED DATE '' OF XX/XX/XXXX. XXXX IS NOT REPORTING THIS ABOVE ACCOUNT AT ALL. 
TRANSUNION IS REPORTING A " HIGH CREDIT '' OF {$840.00} XXXX IS REPORTING A DIFFERENT " HIGH CREDIT '' AMOUNT OF {$500.00} XXXX IS NOT REPORTING THIS ACCOUNT AT ALL. 
TRANSUNION IS REPORTING A " DATE LAST ACTIVE '' AS XX/XX/XXXX EVEN THOUGH THEY SENT ME INVESTIGATION RESULT IN RESPONSE TO MY DISPUTE ON XX/XX/XXXX. 
TRANSUNION CLAIMED THIS ACCOUNT WAS VERFIED, BUT THE " DATE LAST ACTIVE '' HAS NOT CHANGED SINCE XXXX? THAT IS A CLEAR VIOLATION. 
THIS INVALID ACCOUNT DOES NOT MATCH MY ADDRESS REPORTED ON MY TRANSUNION REPORT. 
WAY TOO MANY INACCURACCIES AND DISCREPANCIES ON THIS ACCOUNT. 
( SEE ATTACHED PROOF ) THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY BY TRANSUNION.

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 2022-09-14
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
According to a XXXX statement, Chase credit card is charging me an interest of {$40.00} based on XXXX balance of {$9600.00} saying on the statement that it was due to new purchases {$3100.00} ( 16 % APR ) and a balance transfer promotion balance {$7500.00} ( 0 % APR till XX/XX/2021 ). However, I paid off more than my sum of purchases for that bill cycle and those two balance numbers added together equal much more than my XXXX balance {$9600.00} or my XXXX balance {$8700.00}. It doesn't make sense. 

I contacted their messaging center a few times and received bogus AI responses. Then a person or two responded but they never answered my questions. If that isn't enough when I finally called, all they say is that any payment goes towards the lower APR first, which doesn't make any sense considering the math on their statements. Nobody is doing any calculations over there or explaining anything using basic math and correct logic. It's disheartening. 

Overall, there are two things happening that are wrong : 1 ) they are not counting any returns to go to purchases and automatically deducting it from the balance transfer balance ( 0 % APR ) and 2 ) they are charging me for a total balance that I don't have. 

So all they tell me on the phone and in messages that I have to pay off my balance transfer promotion before I can pay off the purchases, even when I have returned purchases ( XXXX + cancelled flights ) credited to balance transfers balance instead of to purchase balance. I've never seen a credit card company do this. Disclosures or no disclosures. It's totally corrupt and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I tried to file a dispute to have a wrongly identified judgment removed from my credit report. Experian is wanting me to pay {$25.00} for a credit report and submit a copy of my Social and ID by mail in order to take a look at. I have attached a letter from the Law firm stating that the judgment they have listed on my credit profile is 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 non-monetary relief
Consumer complaint received 2017-12-10
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
this all stared XX/XX/XXXX TD Bank XXXX XXXX XXXX I opened my account onXX/XX/XXXX i had a savings of XXXX and checking of XXXX.I disputed my accounts and transaction many times, I had a primary account savings.I with drew my money on XX/XX/XXXX XXXX on XX/XX/XXXX i despotsed XXXX by XX/XX/XXXX i only had XXXX so by the time i closed it I only had XXXX. they sent me the wrong checks twice and i brought them back, they gave me about 4 different XXXX debet cards at one point i went to put money in my checking and it eat my card and said i had XXXX balance of funds. they owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Avant Credit Corporation
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
A loan with Avant Credit was sold to XXXX XXXX according to a recent credit report, XXXX XXXX is owned by XXXX XXXX XXXX, separate complaint was submitted against this company as well via CFPB portal. As stated in prior complaints, the terms such as rate were not disclosed at time of loan approval. Avant claims I chose the loan amount and terms were disclosed which they were not and the amount, {$6800.00}, was the only amount offered to me at the time and needless to say, I did not choose it as there was no other option available. I later learned of the terms such as high interest rate when a contract was emailed to me after approval and payments were made which have since ceased. Avant claims to have proof of disclosure such as screen shots, none of which they have shown and I believe to be entirely bogus. Numerous negative reviews on XXXX and other consumer rating sites reveal the same high interest rate is charged to everyone whom is approved, regardless of credit score. It appears Avant is still reporting the account as 180 days late despite it sold to XXXX XXXX and last payment made in XXXX, which is well past 180 days and is an attempt to get me to pay which will not happen. Their last reply to prior CFPB complaint requested me to call customer service for payment options which will not happen as again, it was sold off and I did not agree to terms of loan, there are no documents with my signature agreeing to anything. This account is scheduled to remain on file until XXXX, please advise Avant they need to agree to lower interest rate and remove interest charged since last payment made if they wish to see any payments. If not, the account will eventually fall off credit file and Avant will see no payment ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX/XXXX XXXX XXXX**** and 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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX  XXXX - I have sent the attached document as the official proof of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  application, quite a few times. I have sent several letters, via my document portal, informing you that I applied for the XXXX program. I have called 4 times & spoken to 4 different representatives, verbally informing you about my XXXX application. This is very frustrating, stressful, & time consuming. My application status is currently : Pending Approval. You incorrectly reported to the credit bureaus that my account is closed. It is not. Please correct this status. For the 3rd month in a row, XXXX XX/XX/XXXX, You all reported to the credit bureaus that a foreclosure sale has started, but that is untrue & illegal. I received an alert about you reporting these this information to XXXX. This has continuously & drastically drops my credit score, reports negatively to my credit files & causes me extreme stress. Today, because of you CLOSED my account, my XXXX and TransUnion credit scores dropped XXXX POINTS!!! Because I have applied for the XXXX XXXX  XX/XX/XXXX, by LAW, I am protected under for the XXXX XXXX, under the DC Law : D.C. Act 24-379 : This means, a foreclosure can not be initiated nor filed. You are consistently ignoring & breaking this LAW! Please correct my credit file. My account should be in OPEN status and all foreclosures are prohibited. Please remove the Foreclosure status from my account, as well.

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 2021-11-12
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation