vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I got an auto loan through XXXX via Bridge-crest XXXX summer 2022. The lender has charged me a {$30.00} NSF fee every month since I got my auto loan. I have spoken with my financial institution and was assured that payments were indeed made. even though my financial institution has proof of those payments being received by Bridgecrest, Bridgecrest has continued to charge me the fee. 

I have reached out to Bridgecrest every month with no real explanation being given as to why they are doing this. When I login to my Bridgecrest account, the payments were received. 


Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am in distress and can not believe that the Dept of education is still reporting inaccurate n incorrect information on my credit report. On XX/XX/2023. I wrote dept of education regarding this plight and to dispute these inaccuracies to which my request went unanswered. I wrote dept of education/Nelnet stating that they did not investigate my dispute within 30 days was a violation of FCRA section 623 ( a ) ( 8 ), to which the information in question has become unverifiable and must be deleted under the FCRA .Dept of Education/Nelnet finally wrote me back after 50 days stating they found no adjustment needed. I am in total disagreement with this conclusion first of all it was concluded outside of the 30 days they have to under the FCRA and was already deem unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I just received my credit report and found this company purchase this debt from my lender which this belong to that company not me. The purchase agreement if any is between the collection company and XXXX XXXX. It clearly States debt buyer on my report. This not my account once they sold it to the collection company. This collection also not registered with XXXX XXXX XXXX XXXX  so that mean I owns nothing to this collection company also the collection company don't have a sign agreement with myself. Now that XXXXXXXX XXXX  sold the debt can we have report XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
inquiries are listed on my credit that i never applied for they are hurting me from buying a house and truck for my family.

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
inquiries are listed on my credit that i never applied for they are hurting me from buying a house and truck for my family.

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 2023-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a letter dated XX/XX/23 from Credit Collection Services stating that I have a balance of {$5900.00} owed with XXXX XXXX, account XXXX. I have never open an account with XXXX XXXX. I do not know anything about this debt and I request that this be investigated as soon as possible with the resolution sent in writing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
inquiries are listed on my credit that i never applied for they are hurting me from buying a house and truck for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I just received my credit report and found this company purchase this debt from my lender which this belong to that company not me. The purchase agreement if any is between the collection company and XXXXXXXX XXXX. It clearly States debt buyer on my report. This not my account once they sold it to the collection company. This collection also not registered with XXXX XXXX XXXX XXXX so that mean I owns nothing to this collection company also the collection company don't have a sign agreement with myself. Now that XXXX XXXX sold the debt can we have report XXXX balance.

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I just received my credit report and found this company purchase this debt from my lender which this belong to that company not me. The purchase agreement if any is between the collection company and XXXXXXXX XXXX It clearly States debt buyer on my report. This not my account once they sold it to the collection company. This collection also not registered with XXXX XXXX XXXX XXXX  so that mean I owns nothing to this collection company also the collection company don't have a sign agreement with myself. Now that XXXXXXXX XXXX sold the debt can we have report XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a electric guitar for {$66.00} for XXXXXXXX that was advertised on XXXX I checked the tracking number and the shipping company couldnt confirm the number was valid I canceled order after that and requested a refund from cash app and they denied refund request XXXX have not responded they have been flagged as a scam by scam report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXXXXXX, # XXXX XXXXXXXX, # XXXX XXXXXXXX, # XXXX XXXX  # XXXX XXXX, # XXXX XXXXXXXX, # XXXX XXXXXXXX, # XXXX XXXXXXXX has 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 explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: WA

Complaint narrative:
On Wed, XX/XX/XXXX, I applied online for Upgrade 's XXXX and Rewards Checking account. My application ( which DID NOT ask for my social security number for some reason ) was denied. One of the reasons was " delinquent payment of an installment. '' I DO NOT HAVE any installment plans, loans, etc. 

I called Upgrade to get the phone number of XXXX who supposedly provided my credit report. XXXX confirmed that there are NO DELINQUENCIES of any kind on my credit file. They also confirmed that there was no inquiry from Upgrade on the date in question nor did I receive an email from XXXX confirming the inquiry as is the norm. Additionally, I've had longstanding fraud alerts with all 3 credit reporting agencies and no one called me to verify if I had applied for Upgrade 's credit line XXXX. Furthermore, my XXXX  score is over 800 and I make $ XXXX. There is no reason my application should have been rejected. 

The only conclusion to be drawn from this is that Upgrade received a credit report from another individual, not mine. 

I spoke with Upgrade 's reps who were sympathetic and understanding and also admitted that they have heard of similar problems from other applicants. But there was nothing they could do except tell me to apply again. That is a waste of time. 

I want an empowered Upgrade employee to call me who will obtain a proper credit report and figure out a way to open the XXXX and Rewards Checking with {$200.00} cash bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
account takeover fraud, ID theft etc.recent recurrence, corrections needed in order to change personal info for safety-FTC, iC3 & police info below : XXXX : XXXX? XXXXXXXX XXXX XXXX XXXXXXXX? XXXX name should be listed as XXXX XXXX ONLY-no variations XXXX XXXX XXXXXXXX cards ( 2 ) -unauthorized charges already resolved w/ local police & FTC XXXXXXXX XXXX Card-account takeover fraud XXXX balance, never late , not a charge off=see FTC/police reports & immediately correct XXXXXXXX XXXX-account takeover fraud XXXX balance, never late, not a charge off=see FTC/police reports & immediately correct XXXX  XXXX-account takeover fraud XXXX balance, never late, not a charge off=see FTC/police reports & immediately correct

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I Have Not supplied Proof Under the doctrine of Estoppel by silence, Engelhardt V. Gravens ( My 281 SW 715, 719, I Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
A company, caller ID and the representative I spoke to says Comenity Bank, continues to try and call my phone number. They are reportedly looking for someone else, I have told them several times that I am not who they are looking for but since I got this new number they have called 15-20 times a day on several different numbers including blocked numbers. I have blocked several of their numbers after telling them the person theyre looking for no longer has this number and they continue to call. Anywhere from XXXX until XXXX. Today alone I have 15 missed calls from them. I am sick of having to tell them over and over to stop calling because I am not who theyre looking for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has 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 a 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 2023-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Well I had spoken with them 55 days ago stating that I was trying to get caught up on my loan. I told the rep that I could pay XXXX dollars and hopefully have the rest of the payment to them in the following 2 weeks. The rep said ok, I will note your account and you shouldbe fine. Everyday leading up to and prior to that if I was one day late they would call me at 7 times a day, even though I had already spoken to some, they would not leave voicemails they would just call back to back numerous times. So my payments are due the XXXX of every month, I had the car for 2 years was pretty good at making my payments on time. Now comes the morning of XX/XX/XXXX. I wake up to no car in my driveway. Mind you I had already spoken to westlake financial about my loan. I told them I would be getting caught up when I had gotten paid. My payment was XXXX a month. The website said I owed XXXX to get caught up. When I called them to inquire about getting my car back they wanted XXXX dollars, they couldn't even explain to me why they wanted much! And to top it off they couldn't guarantee when I would get my car back if I paid that! Fast forward to Saturday XX/XX/XXXX, I just recieved in the mail from XX/XX/XXXX a letter about me being seriously delinquent on my loan. I just want justice for myself and everyone else who has been tricked or robbed by this company and thier in my eyes messed up practices. Thank you for your time and hopefully I can get this resolved.

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 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Bank has frozen my check and savings accounts, and is refusing to reopen them, because they claim that they were unable to verify the identity of my wife ( who is a joint account owner for these accounts ) during a recent phone call she had with their customer service department. When asked, Ally Bank informed me that the birthday my wife provided to them on the call ( for verification purposes ) did not match the one they had on file for her. We have double-checked the form we originally sent to Ally Bank when I first added my wife as a joint account owner of my checking and savings accounts, and have confirmed that the birthday provided on the application form is indeed her correct birthday. This indicates that Ally Bank made an error when inputting her information provided on that form into their system, resulting in the birthday they have for her on file being different than the one we provided to them ( the one we provided to them being her real birthday ). I have spoken with Ally Bank multiple times about this, but they continue to insist that there is nothing we can do about this until they " complete their investigation ''. This process has been ongoing for weeks now, leaving me without access to any of the money in both my checking and savings accounts. If the issue is not resolved quickly, it will result in me incurring significant fees as my bills ( auto loan, credit card, rent, etc ) start to pass their due date. Ally Bank has informed me that they will not reimburse me for any fees, penalties, or interest I will incur as a result of not having access to my money due to an error Ally Bank themselves made, and to which neither I nor my wife had any control over. I have sent a copy of my wife 's government issued ID showing her correct birthday, but Ally Bank has refused to do anything with this information.

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 2023-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PlusFour, Inc
State: NV

Complaint narrative:
Plus four inc collectors failed to provide proof that this is my collection

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 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have disputed this account several times and National Credit Systems continues to report false information to the CRAs. Litigation will be my next step if this account is not removed from the CRAs. I have provided ample proof to this company that this debt is not valid.The only information they have provided is an invoice from the original creditor that states I did not provide 60 day notice to vacate and also several line items of charges that were paid when rent was paid during the months listed. Tenants were not allowed to carry balances month to month so these charges are false as well as the document. I have submitted my signed copy of the notice to vacate form and XXXX has chosen to ignore the proof that this is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received my credit report on XXXX XXXX and notice there were hard inquiries that don't have permission to be on there .These inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my right under 15USC 1681b. I also have attach the hard inquires that don't have no purpose to be 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 explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There was a settlement for over XXXX made for XXXX XXXX. I had ask them I would like for this to be removed once resolved. They took the money and have not Removed this account from off my credit reports. I have reached out to.both XXXX XXXX and Experian in which neither has done anything. Nor provided me with written proof that once paid they would not remove this account off my credit report. That's all I asked and or wanted them to do once payment was received. Payment was received I. XXXXXXXX XXXX XXXX yet they have not done their part by removing this item. Please help me. Thank 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 explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act Credit Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act Credit Collection Service # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 response to consumer: Closed with non-monetary relief