BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called XX/XX/2021 to synchrony bank care credit. They closed my card on XX/XX/XXXX without telling me for reason of credit change. There has not been any significant changes in my credit. Only a minor change. Credit is still above 650 and has only changed a few considering I just financed a car and have a small student loan. Both of which shouldnt impact this too much. This line of credit with Synchrony Care Credit was over $ XXXX and has caused my credit score to decrease since its closure. Synchrony will not talk to me further about it. This card paid for one of my surgeries and was going to be used to pay for another which now I cant get because of this account closure. My account has always been in good standing. Never had a late payment and always paid on time or early. Paid off my account earlier than was expected 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 explanation
Consumer complaint received 2017-10-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Since XXXX 2016, I have been disputing the chapter XXXX bankruptcy with Experian and XXXX. They always states that it has been verified. I requested how this is verified as the courts does not report to the credit agencies.
XXXX removed the chapter XXXX as they could not verify so they removed it.

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 2017-10-25
Company: Meridian ARG Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received repeated calls and voicemails from a company claiming to be Cambridge Asset Management. The voicemails threaten some type of legal action and threaten to attempt to find me at my home and place of employment. The name of the individual they reference in the messages is not mine.
I received calls and voicemails from this group on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 2017. Each time I have returned these calls and advised that I am not the individual they are looking for and requested that I receive no further calls. Each time I was advised that my number was removed and that calls would stop within 48 hours.
On my most recent call I spoke with a XXXX XXXX who claimed that I had never contacted this group as they had just opened the file. She later stated that I had received several voicemails from XXXX XXXX, but that no return calls had been logged. She advised that she would remove my number. When I asked to speak with her supervisor as this was the same information I had been given in my previous calls, she ended the call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Advanced Resolution Services Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records. They are purchasing public information from a third party and can not verify that the information is accurate with the actual furnisher of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021 I sent a letter to Bloomingdales regarding inaccurate and unknown things on my report. On XX/XX/2021, I sent out another letter. To this day over 60 plus days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and many have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: GA
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:
They did not remove the false information off 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 2022-04-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I'm unable to open any bank accounts due to identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX Acct # XXXX and 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 2018-01-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
A Santander Consumer account that was open in XXXX XXXX and closed due to repossession in XXXX XXXX is reporting inaccurate information, high balance, balance due, payment history and reason account was closed. I have requested through them and the credit bureau to please remove account due to inaccurate information and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I leased a XXXX XXXX XXXX  in XX/XX/XXXX ally financial was the creditor I ended up filing bankruptcy and had it discharged in XX/XX/XXXX. But I reaffirmed the XXXX XXXX XXXX I made all the monthly payments and even paid it off early in XX/XX/XXXX and returned truck to the dealership. Now Ally Financial has put on all three of my credit reports under " REMARKS '' that this debt was a chapter XXXX bankruptcy. i explained numerous times and even sent e-mails to a woman named XXXX that works for Ally in the customer relations department that this information is inaccurate. I have recorded conversations of her refusing to change it. She says its up to the credit reporting agencies to correct it. 
This is a violation of the ( FCRA ) If Ally refuses to correct the FALSE & NEGATIVE information on my credit reports I would like have file a lawsuit for actual damages, punitive damages, attorney 's fees and cost. This WILLFUL VIOLATION is intentional It has caused financial problems and causing me emotional stress. I hoping that Ally Financial will correct this information before legal action is necessary. 
IF A CONSUMER REAFFIRMS A DEBT THE CREDITOR IS OBLIGATED TO TREAT IT AS NO BANKRUPTCY HAS EVER A CURED.

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 2017-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account reporting on Experian that I am unfamiliar with. I have tried many times to get it resolved but have n't had any luck. I am hoping that your company could possibly help me. The account is SYNCB/CCDS that I am asking for validation from Experian who is reporting it. I just need help please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This complaint is lodged against Synchrony Bank. Over the past XXXX weeks, Synchrony has cancelled XXXX credit accounts ( Care Credit {$3000.00} limit/ no balance, and Matress Firm {$4500.00} limit/ no blance ), have lowered my credit limits on XXXX cards ( XXXX from {$1000.00} to {$250.00} and XXXX  XXXX credit card from {$800.00} limit to {$250.00} ). All of these accounts were current, and had no missed payments. Synchrony sent me letters identifying why they did what they did. This kind of actions hurt consumers by decreasing their available credit, and increasing their Credit Useage % on their credit reports. I do not have a record of missed payments on any of my credit reports or accounts that are " derogatory ''. Synchrony 's justifications basically boiled down to not paying down enough on my XXXX XXXX mortgage ( refianced in 2021, and too many inquiries on my credit report. They pulled this information from XXXX. My credit score has since taken a hit from XXXX down to XXXX +/- based on the loss of these accounts. I have XXXX other accounts with Synchrony, and am worried they are going to do the same thing to those accounts " based on a review '' of accounts.

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 2018-06-04
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My husband and I have gone to XXXX and are leasing a vehicle, due to my husbands declining health he has been hospitalized and placed in rehabilitation several times. This time is for falling and breaking a hip. As you know hes income is our household income and this has changed, for his medical care. I receive social security once a month and its only enough to pay some of the household bills. Bridgecrest has denied lowering our payment on several occassions, they have stated they cant do it, but their a finance company. We just dont understand this. We would greatly appreciate it if someone could give us more information on what or who we can reach to help us out with this. 
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 2020-04-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX i applied for a new line of credit to finance a purchase, however I was denied by the lender ( XXXX  XXXX ) based on my Equifax report with the cited reason GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION However, my credit report shows no record of any such negative action. I am not sure if this is an Equifax reporting error or a XXXX XXXX reviewing error, but either way it has created an issue because I am unable to dispute a claim that does not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: HYUNDAI CAPITAL AMERICA
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:
KIA MOTORS FINANCE Is on my report with a delinquency. I do not own and never have owned a Kia.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
TransUnion is the ONLY company that will not remove the fraudulent XXXX XXXX  off my credit report! XXXX has! TransUnion also has done NOTHING to remove all the numerous inquiries that werent mine, false personal information that wasnt mine from my identity theft crisis a few years ago! I have tried snd tried multiple times and the last complaint I filed with you against them they did nothing stating that my report snd requests were unclear! 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 non-monetary relief
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now past the allotted time for them to respond since I sent this notice and I still haven't gotten an updated response from the agency. The first response I received from them said that the company who they obtained the information from ( XXXX XXXX ) verified the information. I contacted XXXX XXXX and they said it is impossible for them to have verified the information because it doesn't exist on my account! 

Obviously the credit reporting company couldn't have investigated the way they say they did or they would not have come up with the false conclusion. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

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 2017-10-25
Company: Diversified Adjustment Service, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called more than a few times to a phone number that is recycled. I have told them time and again that my number needs to be removed. Even their compliance person lied stating that they had never called me, trying to call me a lair. Each time they have called for the same person and I have told them there is no one at the number with the name. This time, I asked that the number be marked as bad in the case file, however, the compliance person told me that she could n't make any changes and that there was no one at the company that could and that my number would continue with the file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I got a credit card from the XXXX and XXXX XXXX XXXX and was unable to make payments. Now they are garnishing my social security XXXX income for apx $ XXXX. Had I known that they could do this, I would have made payments. Also, I do n't recall ever receiving any disclosures stating that should I not be able to make payments, they could and would garnish my XXXX income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Novad Management Consulting LLC
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I need a copy of my Reverse Mortgage. I have spent many hours on hold trying to talk to a customer service agent. All they can pass along a message, Still no phone call to get the copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Since XX/XX/2021 I have been filing a dispute with all 3 credit bureaus and in particular 2 accounts have still not been investigated that is XXXX with all 3 bureaus and XXXX AND XXXX XXXX with XXXX. I have attached every dispute that has been sent to all 3 bureaus for these accounts. I also specified in each dispute the errors and discrepancies that are being reported. This is clearly a violation on so many levels as a consumer with not opening an investigation and not removing the inaccuracies being reported. Included also is my Driver 's license, utility bill and ssc for proof of my identity. Please considered this my written authorization for an investigation. At this point the bureaus have passed the timeframe given by the FCRA for an investigation. If I have to I will go as far as getting a consumer attorney and filing a civil suit. Please remove these items from my report immediately. 


Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: EQUIFAX, INC.
State: CA
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:
OnXX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, XXXX and XXXX both responded that they deleted this account because they were unable to verify this account with the creditor. Equifax failed to respond so I sent them new paperwork onXX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. Equifax did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( XXXX or XXXX ) were able to verify this negative item and Equifax was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to XXXX and XXXX and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I pulled a copy of my credit report and noticed that TransUnion is reporting 2 things incorrectly. The first was XXXX XXXX XXXX showing in Bankruptcy and that is not correct. An account with XXXX  XXXX which is an unfamiliar account and I still do n't know who this is. I have disputed several times trying to get the two things resolved to no avail. If there is anyway your company could help me I would truly appreciate it.

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