vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the predatory lending practices and inaccurate reporting of information by Bridgecrest, a creditor with whom I have a loan agreement. It comes as no surprise to me that Bridgecrest ranks among the top 100 companies with complaints to the CFPB, given my firsthand experiences with their unethical conduct. 

Bridgecrest has consistently reported inaccurate information to all three major credit bureausXXXX XXXXXXXX, and XXXXregarding late payments on my account. These late payments have been reported inconsistently, with varying information provided to each credit bureau. Despite my repeated attempts to rectify this situation and request validation of the data reported to the credit bureaus, Bridgecrest has failed to provide satisfactory documentation or proof of the reported late payments. 

Moreover, Bridgecrest employees have resorted to harassing tactics, repeatedly calling me after I escalated my concerns to the CEO via email. Despite my legitimate requests for documentation and proof of the reported late payments, these employees have dismissed my inquiries and even claimed that such documentation does not exist. 

For over two years, I have diligently made payments on my loan, yet due to Bridgecrest 's predatory lending practices, the balance has decreased by less than 15 percent of the original finance amount, despite paying {$650.00} per montha significant financial burden for me. Adding insult to injury, Bridgecrest has failed to send regular statements regarding my account, further complicating matters. 

The inaccurate late payments reported by Bridgecrest have severely damaged my credit and financial reputation, making it challenging for me to access credit and financial services. Despite my efforts to resolve this matter with Bridgecrest, they have shown no willingness to rectify the situation or provide me with the necessary documentation. 

Therefore, I implore the Consumer Financial Protection Bureau to intervene and conduct a thorough investigation into Bridgecrest 's predatory lending practices and inaccurate reporting to the credit bureaus. I ask that Bridgecrest be held accountable for their actions and that they are required to provide me with the documentation and proof of the reported late payments as requested. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these issues and protect consumers like myself from predatory lending practices and inaccurate credit reporting. 

Sincerely, 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 2024-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX is trrying to ruin my credit by reporting two late payments in XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX  for old bills that I paid to XXXX over 7 years ago. They are trying to extort money from me by ruining my credit. I want this {$370.00} item removed from my XXXX, XXXX and XXXX right now and any late payments reported removed. These lawyers are trying to extort money from XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There have been several times that I have tried to apply for a personal loan with XXXX XXXX, most recently on XX/XX/year>. Every time, I am told they are unable to pull our credit reports for my husband and me. We have been banking with them for over 20 years. We have our checking, savings, credit cards, other loans, certificates, etc with them. They have told me to contact TransUnion and resolve any discrepancies. We have no discrepancies on our report. They have told me to contact TransUnion and shorten my credit report. Trans Union follows the Fair Credit Reporting Act and will not shorten our bureau. I was recently told on XX/XX/year> that I need to contact Transunion to reset the maximum number of attempts to pull your credit report. Which is absurd. I called and TransUnion said they never heard of that. XXXX XXXX changed from XXXX to TransUnion a couple of years ago and ever since then they have had this issue with pulling my bureau. No other company has had any problems. In fact we just did a refinance on my mortgage and they successfully pulled all XXXX credit reports with no issues. This is a system limitation with XXXX XXXX and has nothing to do with my report or my credit history. They also will not accept a pulled report from me. They tell me they can not move forward with the application without our credit report, but yet this is an issue on their part.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to bring to your attention an issue regarding the account I hold with the XXXX XXXX XXXX store, which is currently affecting my credit report. 

The account in question was opened in XXXX of XXXX, and while it was paid as agreed, there are inaccuracies in the reporting of late payments. Specifically, despite a due date change requested and completed by XXXX, the store manager at the XXXX location in XXXX, the account continues to be reported with late payments. 

Due to delays in receiving the goods associated with the account, XXXX initiated and filed a due date change until the items were received. However, despite this action, the account is still being inaccurately reported with late payments. 

I am seeking your assistance in rectifying this situation by ensuring that the information reported accurately reflects the actions taken and the agreement reached. If necessary, I am prepared to pursue legal action to address the false information being reported, as it is negatively impacting my credit score.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to bring to your attention an issue regarding the account I hold with the XXXX XXXX XXXX store, which is currently affecting my credit report. 

The account in question was opened in XXXX of XXXX, and while it was paid as agreed, there are inaccuracies in the reporting of late payments. Specifically, despite a due date change requested and completed by XXXX, the store manager at the XXXX location in XXXX, the account continues to be reported with late payments. 

Due to delays in receiving the goods associated with the account, XXXX initiated and filed a due date change until the items were received. However, despite this action, the account is still being inaccurately reported with late payments. 

I am seeking your assistance in rectifying this situation by ensuring that the information reported accurately reflects the actions taken and the agreement reached. If necessary, I am prepared to pursue legal action to address the false information being reported, as it is negatively impacting my credit score.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I declared bankruptcy on XX/XX/XXXX and I keep constantly having to dispute the inaccurate information Equifax is reporting regarding the loan. First, they were reporting missed payment and I disputed that. Then they put 150 days past due in the comments and I also disputed that. Now I this same account is showing closed with a balance of XXXX, missed payment as of XX/XX/XXXX, and a comment that states 120+ days late. 

This account is included in my bankruptcy. Also, I no longer have this vehicle. The vehicle was returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to dispute my entire XXXX, Equifax, and XXXX XXXX reports pursuant to The Fair Credit Reporting Act 15 U.S.C = 1986

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I informed experian that I am a victim of identity theft. 

They initially blocked all of the fraudulent accounts I alerted them about. Now they have unblocked it and I do not know why. There has been no further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I purchase a XXXX ( XXXX ) Honda XXXX XXXX from Honda of XXXX. The salesman ( dealer ) did not tells or explain to me that the XXXX ( XXXX ) Honda XXXX XXXX was an Lease. I have been paying my car payment from XX/XX/XXXX through XX/XX/XXXX. I have not miss any payment on the XXXX Honda XXXX XXXX. I have been HARASSED FOR XXXX AND HALF YEARS to TRADE IN for new CAR or to RETURN IT IN. On XX/XX/XXXX my XXXX Honda XXXX XXXX was toll by the repossessed. I did not receive a letter from Honda of XXXX that my car was going to be repossessed. 

I am a XXXX and I am XXXX. XXXX of XXXX has a BAD REPUTATION RED LINING XXXX PEOPLE WHEN COMES PURCHASING A NEW VEHICLE AND USE VEHICLE. 

I hope you can help with this problems. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: WA

Complaint narrative:
I was sold a pest control service from a company named XXXX XXXX XXXX in XXXX, Oregon. They sold me a service saying they would come to my home, locate and plug up holes where pests were getting into my house and set traps for the rodents. They came to my home and set two traps outside with no poison or bait in the traps. They sprayed some sort of chemical around my house. This did not stop the rodents. I used mouse traps to catch and kill the rodents. I had to go into my crawlspace and locate where the rodents were getting in and plugged up the hole. I had to go and buy the poison to put in the traps they left. 

The company did not provide me with the service they promised and I cancelled my service. Now the company is trying to collect for services not provided. They turned me into ARM Solutions for debt collection. I am getting harassing calls, texts, and letters from ARM Solutions. I have told them to stop contacting me and I do not owe XXXX XXXX XXXX any money. They will not leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im Dispute this account to be Inaccurate Information Under FCRA Section 1681i now im also requesting the Copy of the Retail Installment Contract Copy of the Arbitration Agreement Copy of any other documents I signed that day Downpayment Receipt

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I work for my XXXX XXXXXXXX XXXX XXXX XXXX, she gave me a paycheck i went to chase to deposit my check, and they charged the check and held the money and closed my account due to fraud, i had to go to the branch to open a new account but they still havent sent my money back because they said the check needs to be verified in which they called my mother already and she confirmed she gave it to me but they refuse to use that as verification and even the phone number registered under the business on XXXX. Its been a year now they still havent fixed this, they keep telling me different things also if I close my account they wont give me my money, the make of the check is from XXXX XXXX i contacted them and they said no bank can hold the check, its in chase policy. I just want my money back the check was charged on XX/XX/year>, i have pictures of the check being charged by them and money on hold. Apparently Chase can't verify checks by using the # on the check stub or by XXXX a company 's website. 
They HAVE to use " their system. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I have been trying to pay my student loans through Aidvantage since XXXX and I continue to have them processed and sent an email saying the payment has been collected and then a few days later receive an email saying they have not received a payment from me. The interest is increased and then Im now facing them being sent to collections. I have seen many people are facing the same issues. Upon trying to call and talk to someone Im on hold for 2 hours and still never reach a representative. This is frustrating considering Im trying to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Beginning of XXXX, I enter XXXX  and they ask me if i want to sign up for their rewards program to get extra savings. I agree, and they tell me that they would need my social security information. I've never really signed up for a rewards program before besides at some food places, so i thought this was standard protocol as i'm fairly new to credit itself and store reward programs. Without my knowledge, They charge the credit card and i finish the rest of the purchase with my actual debit card thinking i just got a discount. An hour later, i become aware of it being a credit card through my email. I immediately call XXXX XXXX and ask to cancel. They close the credit card but did not make me aware of any charges. This is recorded proof in the call that we had. Fast forward a couple months later. It's now may and i look on my credit report and see that i have months of interest and late fees charged on the account. I get a huge credit drop. 700 's to almost 500 's back to 600s. I call XXXX  they tell me theres nothing they can do. This is unfair as i'm already going through financial struggle, trying to keep my payments as timely as possible, and then i get XXXX  by this bank trying to XXXX  people into getting a credit card. 

( this call was recorded by XXXX. Aswell as my other ones. They did not let me access the call records, and just proceeded to hang up on 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 2024-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
In XXXX, I took out student loans, mostly private, to attend XXXX  school. Recruitment was aggressive and predatory. I ended up taking financial aid far beyond what I could ever hope to afford based on promised future salaries. Servicing began through Sallie Mae, transferred to Navient, and I finally consolidated through Sallie Mae. After years of payment, forbearance, and a bit of discharge from a federal class action lawsuit, I've brought the number down from over XXXX down to under XXXX. Though I earned a degree from XXXX XXXX XXXX, I left the industry shortly after I started when it was clear that this particular degree had no value and would never allow me to pay off the astronomical cost of earning it. I've attached the complaint from the XXXXXXXX XXXX XXXXXXXX lawsuit, as it elaborates the illegal practices far better than I can, since it was so long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
I have sent this Company a Cease and Desist due to them using unfair, deceptive, extortionate, and unlawful means to attempt collecting an alleged debt. This account was disputed in XX/XX/XXXX, and they were given a direct refusal to pay. To date, they have not provided anything that suggests or proves that I am responsible to pay them. 
Company continues to be willfully negligent by refusing to adhere to federal guidelines that govern them and protect me, the Consumer. 
Company has violated my Consumer rights by ignoring my attempts to resolve this matter. I have advised that per Federal law, no one can validate a debt except for the Consumer in which it relates to. I have disputed and refused to pay this account, more than once.

The Company claims to be a Debt Collection Agency, yet they do not appear to be licensed and bonded to collect in the state of Illinois. I spoke with Manager XXXX, on XX/XX/XXXX and she argued that she refuses to cease collection activity. 
Please have this Company cease all collection activities, as this is my final attempt to rectify outside of court.

Company response to consumer: Closed with explanation