BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: TN
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  ; Experian and XXXX  not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account listed above is still reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and placed in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute and continue to investigate.

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 2020-07-08
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep on receiving callas about a debt that paid by XXXX. I submitted proof to this debt collector that this was paid and that I was in fact covered under XXXX during the time of her service. They continue to call me 5 times a day every day. It is abusive and they have the incorrect information. This bill was for my daughter. Please have them stop calling me. They never sent me a debt validation letter as requested.At this pointy I believe this is fraudulent and they are trying to collect money that was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In late XXXX of 2020, I applied for a Lowes customer card. The application was approved and a confirmation was sent to my personal email. I have yet to use the card. 

In early XXXX, my brother contacted me because he had received two emails from Lowes/Synchrony Bank about the approval of my application. 

The issue is : Why would my brother receive this personal and sensitive information? 
He has a different name, leave in a different address and has a different email address. What if anyone one else got the same information? 

I tried contacting Lowes, and they referred me to Synchrony Bank, I called them on XX/XX/XXXX and they offered to talk to me about their privacy and data sharing policies. 

I tweeted a private message to Synchrony on XX/XX/XXXX, stating that I considered this to be a GLBA violation. They asked for my phone number, which I provided. 

They called me on XXXX and asked me to explain the issue and asked for my brothers email address, which I provided. 

They called me again on XXXX and stated that the email address on the credit card application was my brothers, which was not the case. I have never used my brothers email address, much less for a credit card application. Also, there is no way for them to email me to my personal email address a confirmation of the credit approval and also send two emails to my brother to a different email address if I only provided one email address. 

I only know that my information was shared with my brother because he brought it up to me, but what if the same information was also shared with more people. Or if this is not an isolated issue and something that is happening now.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-11-28
Company: NAVY FEDERAL CREDIT UNION
State: PR
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:
I am in the process of buying my home. delivers documents to only three types of home loan agencies. one is XXXX XXXX XXXX, Navyfederal and XXXX XXXX  XXXX. Note in my XXXX application that I have had several exaggerated credit inquiries, and which because of this have affected my credit history. from having XXXX now I have a total of less than XXXX credit points. talk to them and they deny misusing the report. I want to open a thorough investigation and reach the final consequences on who they were and punish the guilty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: FORD MOTOR CREDIT CO.
State: NV
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:
Ford Motors # XXXX is reporting an account to my credit report that is already paid in full and extremely old. I have asked them multiple times to remove this and they have not done so. There is no reason for it to still be on credit and I would appreciate if it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Account type is reporting as Collection for XXXX and Unknown - credit extension, review, or collection for experian. XXXX is reporting the date opened as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. These are a violations of my rights per the fcra

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 2020-07-20
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Ally financial has not sent the lien release or the title to my new lender which is XXXX XXXX XXXX XXXX. 

Loan was paid off on XX/XX/2020 One representative said it was sent to XXXX XXXX  on XX/XX/2020 Second representative advised it was sent on XX/XX/2020. 

All representatives have advised that they will not provide me copies. 

I was advised that a paid in full letter was sent to myself on XX/XX/2020. per XXXX. 

It was also not received. All information appears to indicate that ally is not telling the truth about releasing the documents. Online account shows that the Title/release of lien has not been completed.

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 2023-02-09
Company: TRUIST FINANCIAL CORPORATION
State: TX
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 had my credit report pulled by XXXX  for a mortgage loan and they are showing inaccurate information on one of my accounts as being in collection when its not and its hurting my score. The account in question is my Service finance account XXXX. This is in violation of the FCRA and needs to be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A debit card linked to one of my accounts at Bank of America was compromised and used to withdraw {$8600.00} from that account. The debit card and PIN was used to transfer {$8800.00} from another linked account using an ATM at a XXXX store in XXXX XXXX, CA. Shortly afterward, the same card was used to make a purchase of {$8600.00} from a pawn shop in XXXX XXXX, CA. The claim was denied because the PIN was used. Ive been a customer at XXXX for over 25 years and even have my IRA account with them. Ive never been to XXXX XXXX, nobody in my family has ever been to XXXX XXXX and I dont do my banking on a convenience store ATM and Im dismayed that Im having so much trouble with what is obviously fraud. I have filed a police report in my hometown of XXXX, CA and they informed me that this matter would likely be turned over to the XXXX XXXX police department.

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 monetary relief
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/19 I got rejected for a loan with XXXX by XXXX XXXX XXXX XXXX. One of the stated reasons is that there is a series delinquency on my report, however I have checked my credit report and there is no delinquent information. I'd like all parties involved to manually review my credit report and figure out the source of the issue.

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 2019-08-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
USAA HAD COME TO A RESOLUTION WITH CFPB TO PAY ITS CLIENTS A LUMP SETTLEMENT IF {$180.00}. HOWEVER, THEY HAVE NOT PAID THEIR CLIENTS PER THE SETTLEMENT AGREEMENT. I PERSONALLY HAVE NOT RECEIVED ANY PAYMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XXXX year old mother recently passed away. As the executrix of her will, I am SHOCKED at the fact that she had 21 credit cards at XXXX years old and on fixed income. While I completely understand her responsibility in this situation, I am absolutely APPALLED that the credit card industry - and in particular some of her creditors including this Synchrony Bank - saw no problem with issuing multiple credit cards to someone in that financial situation. Where is the accountability? Where are the controls? Do they even bother to run a debt to income ratio to see whether the customer can afford yet another minimum payment? Even if you assume all the cards are small enough to only have minimum payments of {$25.00} ( which was not the case here ), that is over {$500.00} per month for someone on fixed income. And God knows what the interest rates were on all these accounts. 

Now, as executrix of her estate, I am getting collection letters from a recovery agency. At the interest rates these lower level card providers like Synchrony charge, my mother has likely paid hundreds if not thousands of dollars more than borrowed. And they are trying to bully her heirs into paying them more. If you are giving multiple cards to someone that can't afford them, you really ought to take the loss and move on, rather than further torture the family, don't you think? You took a risk - a bad one - by issuing all these cards to someone vulnerable that couldn't pay them all back comfortably. She had a problem - and this company ( SYNCHRONY ) and many others took advantage of her vulnerability. And oh, by the way, she died from a massive GI bleed - likely brought on by STRESS. Gee, I wonder if the fact that she didn't have enough money to pay for food because of these reckless card companies practices had anything to do with that stress? 

These companies need to be held accountable. I work in this industry and we always talk about the elderly and vulnerable being taken advantage of by individuals - who is saving them from the likes of Synchrony bank?

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 2019-03-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2017 I had sent a letter ( attached ) to XXXX XXXX XXXX  ( the original creditor ) to dispute the derogatory statements on my credit report which was hampering my ability to obtain an approval for home loan through XXXX XXXX XXXX XXXX. This action did not result in the desired action from the company. 
I had then sent a letter to the FTC who then escalated it to the OCC who then had XXXX XXXX XXXX   remove the derogatory statements from my credit reports. 
For reference my original complaint to the cfpb : Complaint Number XXXX ( attached ) was regarding the original creditor who has sold their accounts to LVNV, LLC the current owner c/o Resurgent Capital Services. 
I have also attached the XXXX XXXX XXXX XXXX  sent to me from XXXX XXXX XXXX  proving that this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAVALRY PORTFOLIO SERVICES is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with CAVALRY PORTFOLIO SERVICES. I have never received any correspondence from CAVALRY PORTFOLIO SERVICES stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with CAVALRY PORTFOLIO SERVICES for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that CAVALRY PORTFOLIO SERVICES owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Instead CAVALRY PORTFOLIO SERVICES has just provided a couple bill statements, I have been advised legally this is not sufficient. Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. CAVALRY PORTFOLIO SERVICES refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. CAVALRY PORTFOLIO SERVICES is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure CAVALRY PORTFOLIO SERVICES understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. CAVALRY PORTFOLIO SERVICES even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in CAVALRY PORTFOLIO SERVICES ' and my  best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened Saving Account at Ally Bank ( online ) set up a transfer from XXXX XXXX  ( aka XXXX ) of {$100000.00} on XX/XX/XXXX. I gave Ally my Routing and Account Numbers, the next day the Funds disappeared from XXXX. That same day XX/XX/XXXX I got am Email from whet appeared to be Ally banking instructed be to contact them which I did. I was concerned using a number from an unsolicited email but a representative from their Fraud prevention depart questioned me in a rather aggressive way if that was my money and demanded I fill out forms with personal information to attest to it. I reaction to this by saying cancel everything which in hide sight was a mistake. She canceled/closed my account on XX/XX/XXXX, the funds that they removed from my XXXX Account were never deposited in the ALLY account. I was told by this representative that they would be returned to my XXXX account XXXX as of today they have not. Called XX/XX/XXXX and was told by the same Dept the funds were statused as rejected on XX/XX/XXXX and the funds should be in my bank account, again which they were not. I contacted my Financial advisor at XXXX and we called ALLY together on XXXX hours on hold multiple cold transfers and we end up back at the same Fraud department with the original rep who closed the account. She claims the transfer never went through but they were removed from my XXXX Account. I was told by ALLY to file a claim with XXXX which I did. I was told by my Advisor that was rejected because XXXX as never received the funds. I called ALLY again on XXXX, multiple cold transfer repeating the same Information to them and ended back up at the same department to the same person that cold transferred me to from the beginningt. One lady in the middle of transfers told me my case had been closed and I was in a Fraud Profile. Which essentially means to me they must be holding my money. This Lady named XXXX said she reopened my case, she reportedly conversed with the XXXX team and reported back to me to file a claim with XXXX ( which again was done on XX/XX/XXXX ) I was eventually transfer back to my original representative in the Fraud Depart " XXXX '' Maybe. this time he was argumentative since I recognized his voice and remarked on being cold transferred so many times. I asked for him to remove the Fraud profile on my file that XXXX instructed that I do but he rudely refused. I asked to be transferred to a supervisor and he said some undiscernable words I got a voice mail of a " XXXX '' ( phone sound quality was very poor ) long story short here ALLY pulled money from my bank account and it is now now where to be found I can supply a case reference number

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 2019-03-19
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX is reporting inaccurate information to all 3 credit bureaus. To XXXX they are reporting Charge off from XX/XX/XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XX/XX/XXXX-XX/XX/XXXX and 30 days late from XX/XX/XXXX-XX/XX/XXXX. They are reporting no derogatory information on XXXX and 90 days late from XX/XX/XXXX-XX/XX/XXXX on Equifax. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
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:
On XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

Equifax reported that XXXX closed the account and that my : Balance Decreased by {$390000.00}. EQUIFAX LOWERED MY CREDIT SCORE BY XXXX POINTS! 

On XX/XX/2019, I filed a complaint with CFPB ID : XXXX. 

On XX/XX/2019, Equifax responded : " We have researched the credit account. Account # XXXX The results are : Accounts reporting as transferred or sold are considered closed. This account is currently reporting paid as agreed, with no late payments. '' However, Equifax DID NOT add those points by to my score!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 a account XXXX XXXX which is 7 years old and XXXX  transunion and XXXX will not remove

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