BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: Bridgecrest Acceptance Corporation
State: IL
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:
On XX/XX/2020 my car was stolen and damaged and deemed a total loss, by my insuranceXXXX XXXX was paid to the finance company BRIDGECREST leaving a balance. XXXX still made payments. Gap insurance paid the remaining balance in the amount of XXXX based on the date of loss. however after the payment was received the finance company Bridgecrest didnt apply the payment and allowed interest to accrue on the account after the payment was received and posted they refused to service the loan and each time I have called the period gets longer it started as 5 days from the check being received to 7 days and now they are saying 10 but when asked is this from the date the check was received it is said from current day which is XX/XX/XXXX. The check was received and posted on XX/XX/XXXX but they not clear my balance and are allowing interest to accrue when I am actually due a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C. 1692 b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;

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 2016-04-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX and XXXX XXXX people I do not know went to XXXX XXXX XXXX on XXXX XXXX to buy a vehicle POC : XXXX XXXX XXXX ). The dealer ship enter the wrong SS # which just happen to be mine. They ran my credit 4 times lowering my score I have contacted Equifax 3 times about this trying to get all XXXX inquires off my record and this is all I get back. ( We have reviewed the inquiry information for XXXX Banks XXXX Florida. The results are : Inquiries are a factual record of file access. We have reviewed the inquiry information for XXXX XXXX .We have reviewed the inquiry information for XXXX XXXX The results are : .We have reviewed the inquiry information for XXXX XXXX Bank Inquiries are a factual record of file access. This has nothing to do with me how do I get these XXXX inquires off my record?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear XXXX ( # XXXX ) XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Inquiry from XXXX XXXX XXXX. on XX/XX/XXXX I am not sure why this is on my credit report. The last time I did a credit application with XXXX XXXX was in XX/XX/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 2016-06-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
Wal-Mart charged me {$500.00} when I opened the account submitted XXXX separate charges. I paid the first balance in full ( around {$370.00} ) but not the second balance ( {$130.00} ) because by then I discovered they were falsely billing me. 

I am a XXXX. I did n't believe I owed either amounts but I paid the first in full as billed. Wal-Mart did refund the second billed amount of {$130.00} when I challenged the charges. However, when I requested copies of the $ XXXX Wal-Mart charges it alleged I owed, Synchrony Bank responded " we are unable to provide you with the information requested as it is no longer available ''. My account is not one year old.

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 2020-06-09
Company: Experian Information Solutions Inc.
State: AL
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 recently the below accounts disputed the accounts with the credit bureaus and they have respond back that the accounts are verified but can not provide me with any proof of accounts being verified and reported 100 % accurately and complete. I have respond with asking for the method of verification and they have respond with No Method of Verification just resent the report refusing to re-investigate. I have also contacted the original creditor they have respond with no proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid my vehicle loan in full, never late, paid in full, a few years earlier than it was supposed to be. Since I paid it in full, WFAuto Finance, has reported that I was XX/XX/2016 ( I paid in full on XXXX/XXXX/16 ). After I disputed, WFAuto changed it from XX/XX/2016 to XX/XX/2016. I disputed again, and they moved the late to XX/XX/XXXX and XX/XX/2016!

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 2017-02-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a XXXX done and my dentist said I could put it on CareCredit and they would give me 12 months to pay it off interest free. I am a XXXX and I had our XXXX accountant make payments to care credit each month and we paid the whole amount within eleven months. Toward the end of my 12-month period I started receiving bills from Synchrony Bank that said I owed them over {$700.00}. I tried all of their phone numbers and could not get through. Finally, they called me and I said I had no idea what these charges were for. I told them what I had done and they said they would look into it. I told them to cancel my account but they still keep sending me statements and bills. Now I have received a registered letter that they intend to put this into collection. I looked them up on the internet and found that they were charged in 2013 for deceptive advertisement and were paying out over XXXX in settlement. I am contacting a lawyer and I could sure use some help from you in taking care of this problem. 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 monetary relief
Consumer complaint received 2016-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is illegally reporting a medical collection account for XXXX XXXX that was never validated per Fair Debt Collections Practices Act. I was never contacted and I have asked for a complete accounting of the debt but they have failed to respond. Experian should have some checks and balances to ensure that a creditor has in fact obeyed the law before allowing them to report a negative mark.

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 2020-06-09
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
I currently have a XXXX XXXX credit card with a {$700.00} limit. This is one of my oldest cards and I have NEVER been late. The account is very much still open and being used. It has been removed from all 3 of my credit reports. I've called XXXX XXXX and all XXXX bureaus and both keep passing the issue back and forth. This has caused a decrease in my credit scores and I am in the process of purchasing a home. I can't have these types of errors right now. PLEASE HELP! SOMEBODY, ANYBODY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MD
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:
I have an address update which is XXXX XXXX XXXX  XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Affirm Holdings, Inc
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Re : Loan ID XXXX On XX/XX/XXXX I made 1 payment of {$59.00} to Affirm for Loan # XXXX. Affirm took the liberty of charging my card XXXX additional times for the same amount and are refusing to refund me the overpayments. This is not the 1st time I've had problems with this company. Previously, they turned on AutoPay on my account and blamed me for turning on AutoPay. 

I tried contacting the company through their HELP feature but to no avail. Their website is very frustrating and there is also no direct phone number available to contact the company. When I finally did receive a respond, I tried responding back but there system posed an error. Then I finally got in touch with someone on XX/XX/XXXX and he stated he could not refund me the overpayment because it was too late even after I explained that I tried contacting the company multiple times. 

This company 's customer service is horrible. They do not readily make their phone number available to customers, repeatedly turn on AutoPay on my account without my authorization and blamed me for turning it on and now blaming me for the overpayments which I did not authorized. Unfortunately, there is no proof I can provide that the company did all these things because its within their payment system which I don't have access to but I've been dealing with this company for quite some time and they have a history of bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Conn 's continues to attempt to collect a debt that is not mine. I have provided all documentation to them and they continue to claim they ca n't do anything about it. I have also filed a complaint with the Texas Attorney General 's office due to the illegal activity being conducted by Conn 's. I am again disputing this alleged debt in it 's entirety and providing proof that this debt was already disputed in 2014 and deleted because it was not mine. Conn 's is illegally trying to collect on a debt they know is not mine. The Attorney General is currently looking into Conn 's and their actions. I will continue to file complaints until Conn 's does the right ( and legal ) thing and remove this debt that their past collection agency deleted due to inaccuracy. They have illegally resold this inaccurate debt to another collection agency in yet another attempt to collect this debt. They can not honestly believe that me, the CFPB, or the Attorney General will believe their " we ca n't locate an account '' bull when they just resold the account to another agency for collection. Obviously, Conn 's knows exactly what account I am referring to and they have provided all the evidence needed to prove they are acting in an unconscionable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX ( Transunion ) Incorrect Address : XXXX  XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX   ( XXXX ) Incorrect Name : XXXX XXXX ( XXXX   ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX XXXX Opened XX/XX/XXXX Bal. {$360.00} ( I was never 30 days late ) XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following inquiries were not authorized by me : XXXX XXXX XXXX XXXX 2 TIMES XXXX XXXX XXXX 2 TIMES 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 2017-03-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I stared XXXX dental treatment in XX/XX/XXXX. The doctors office suggested I use Synchrony Bank to pay for the treatment even though I was going to pay cash and so they went through the process. The Dr. however scammed me and never finished the work and even caused additional issues and I am currently suing him. I stopped paying the debt because according to Synchrony Banks retail agreement that they gave me " if you are dissatisfied with the goods or service that you purchased with your credit card, and you have tried in good faith to correct the problem with the provider, you may have the right not to pay the remaining amount due on the purchase ''. I did try in good faith many times and made Synchrony Bank aware, but instead they added interest on the account to bring the amount to more than double of what the balance was which was only {$1000.00}. This happened after speaking to one of their representatives who told me not to worry about the apr going up because I was in the middle of suing the DR. so the apr would not go up which was completely false information. I have written letters to them to the address they gave me SYNCB C/O Card Services XXXX FL, XXXX and they do not respond. The last 2 letters were sent XX/XX/XXXX & XX/XX/XXXX with absolutely no response. I emailed them and also received no response. They are damaging my credit by reporting the account to credit agencies and this needs to stop. They have thousands of complaints against them online. 
Care Credit Account # with Synchrony Bank is XXXX 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 2022-12-14
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Md XXXX XX/XX/XXXX XXXX XX/XX/XXXX Verification letter in response to letter received on XX/XX/XXXX. 






To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear XXXX XXXX I have recently looked at a copy of my credit report and see that you are providing inaccurate information about a bankruptcy that was filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already confirmed with the courthouses that this bankruptcy was filed and I was informed that this information was not provided by them, as they explicitly stated that they don't report information to anyone.See exhibit A. 
I am positive my information was obtained from XXXX to obtain inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to this bankruptcy is extremely inaccurate. My credit is being negatively impacted due to your neglectful reporting and I demand XXXX remove this bankruptcy from your system. It is not fair that you can simply snoop around and report only half truths and cause so much distress. 
You are in violation of my consumer rights under 15USC1681a ( 4 ) consumer right to privacy. This bankruptcy should not appear on my credit report. Congress says that I have the RIGHT to deem what is and isn't private and I DEEM THIS BANKRUPTCY TO BE PRIVATE AND THIS MISLEADING FALSE REPORTING Is giving me severe anxiety. You are liable for all damages and I am seeking litigation! 

Please remove immediately. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
On a Sunday afternoon our Son XXXX while XXXX. XXXX We found an XXXX that day who would see him. When we arrived the receptionist told us they do not accept our insurance and the procedure would be approximately {$3000.00} dollars. She suggested that we applied to carecredit/synchrony bank to cover the expenses. I called my wife and she applied at home on the computer. We were approved instantly, however we did not have time to look over all the details regarding the loan because of my son XXXX. We took out the loan in XXXX 2012 with XXXX percent interest and paid faithfully every month for 18 months. We only had a few hundred dollars left to pay, when suddenly XXXX dollars in interest were added to our account. We did not realize this would happen. Our payment went up significantly and we continued to pay on time each month. Only now when we paid the interest continued to grow and the balance did not go down, even when we paid extra. Finally after XXXX three years of paying carecredit/synchrony bank we have paid everything we borrowed plus over a XXXX dollars in interest. This year we had circumstances in our finances that prevented us from continuing to pay this never ending debt. I feel as though we were vulnerable to unfair lending practices because of our son 's need of XXXX attention on that Sunday afternoon. I believe the XXXX office and carecredit/synchrony bank work together to use predatory lending tactics on consumers when in a desperate situation. Since we have missed a few payments carecredit/synchrony bank is out to ruin my credit. Not only from late payment reporting but by consistently running inquires of my credit report. I have paid them everything I owed plus interest. The amount that they are now asking is unfair. I would have never taken out this loan had I understood the nature of the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ... .Also my information has been comprised by the XXXX data breach and may have gotten into the hand 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 non-monetary relief