BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-13
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I OPENED UP A CAR CARE CREDIT ACCOUNT APPROX A YEAR AND A HALF AGO I HAD JUST PURCHASED A XXXX NISSAN ROGUE AND PLAN TO USE THE CARD FOR OIL CHANGES AND REGULAR MAINTINENCE, SINCE IT IS A BRAND NEW CAR AND NEEDED NO MAJOR REPAIRS. UPON GOING TO GET THE FIRST OIL CHANGE AT XXXX XXXX WHO WAS LISTED AS A MERCHANT, I WAS DENIED SERVICE AS THEY SAID THEY WERE UNSURE HOW TO PROCESS CARD SINCE IT HAS NO EXPIRATION DATE SO I WAS ENDED UP USING ALTERNATIVE FORM OF PAYMENT. AFTER ATTEMPTING TO USE XXXX XXXX AND ALSO XXXX I ALSO DID NOT HAVE SUCCESS WITH BEING ABLE TO USE MY CAR CARE ONE CARD FOR ANY SERVICE AS BILLING WAS AGAIN AN ISSUE I ALSO HAVE THE HEALTH CARE CREDIT ALSO FROM SYNCHONY BANK AND AND KNOW THAT THE MERCHANTS HAVE TO MANUALLY ENTER THE BILLING INTO A COMPUTER TO PROCESS IT IS A LONG PROCESS WHICH FRUSTRATES MOST VENDORS AND MOST WILL JUST SAY THEY CAN NOT PROCESS PAYMENTS WITH THE CARD. UPON MY 4TH ATTEMPT TO USE MY CAR CARE ONE CARD I FIND OUT THE CARD WAS CLOSED THEY TOLD ME DUE TO INACTIVITY, I SPENT ALMOST AN HOUR ON THE PHONE WITH A REP AND TOLD ME THE MERCHANT SHOULD HAVE KNOWN HOW TO CHARGE THE CARD AND IF NOT THEN THEY COULD HAVE CALLED FOR ASSISTANCE THE ONLY THING THEY WERE WILLING TO DO IS RE ISSUE ME ANOTHER ACCOUNT, WHICH THEY DID AND PROVIDE ME WITH MERCHANTS THAT WERE NOT LISTED ON THE WEBSITE BUT THAT WOULD ACCEPT THE CARD AS PAYMENT WHICH WOULD HAVE BEEN MUCH HELPFUL PRIOR. AS A RESULT OF THEM CLOSING MY ACCOUNT SUDDENLY IT DROPPED MY CREDIT SCORE XXXX POINTS, I SPOKE TO THEM ABOUT REMOVING THE CLOSED ACCOUNT FROM MY FILE, BUT THE ONLY THING THEY WANT TO DO TO ADD A STATEMENT THAT THE ACCOUNT WAS CLOSED DUE TO NON ACTIVITY WHICH WILL BE NO HELP IN RECOVERING MY DROPPED CREDIT SCORE AS A RESULT OF THEM CLOSING THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America abruptly closed my account on XX/XX/XXXX. I have used this card since XXXX and its the oldest card on my credit report. I was not using it for the last 18 or so months until this XXXX when I took a trip to XXXX. I charged {$1000.00} on a credit limit of {$4500.00} and was not able to make a payment before the due date of XX/XX/XXXX. Because of being in XXXX, I was not able to use the online payment methods and was going to make the payment on XX/XX/XXXX when I returned. This has a major negative impact on my credit, being the oldest credit card I have.

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 2020-07-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them from my credit profile.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
EXPERIAN sent me an email notification on XX/XX/XXXX stating that I need to provide an Identity Theft Report " Without the Deficiencies ''. However I did NOT find any deficiencies on the OFFICIAL Federal Trade Commission Identity Theft Report. All of the FRAUDULENT ACCOUNTS were reported correctly. THE OFFICIAL FTC REPORT THAT I FILED WITH THE FEDERAL TRADE COMISSION CLEARLY LISTS EACH FRADULENT CHARGES, AMOUNT, ACCOUNT NUMBER AND DATE OF TRANSACTION. However EXPERIAN HAS CONTINUED TO IGNORE THESE FRAUDLENT CHARGES SINCE I DSCOVERED THEM IN XXXX OF XXXX. I WANT TO SEEK LEGAL ACTION AGAINST EXPERAN FOR THESE FRADULENT ACTS. This includes the FRAUDULENT ACCOUNTS ; XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$32000.00} XXXX. 
XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$4000.00} They gave denied and refused to accept the official identity theft report from the FTC. They have continued to deny that they have assisted with the crime by allowing these fraudulent charges to appear on my consumer credit report. According to the Fairs Credit Act, IT CLEARLY STATES ; Pursuant 15 U.S. Code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of- ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer

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 2022-09-05
Company: Americas Car-Mart, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
We me and my husband bought a car from America Car Mart in XXXX Ar, We had problems from the first day of signing paper on XXXX, 2022 so car-mart asked us to contact them after the holiday weekend. That was our only vehicle to get back and forth to work and they do not offer a rental while its in the shop. Well we finally XXXX weeks later they sent me to XXXX XXXX and the maintance teck came out and asked if i could step outside so he could show me what was wrong, the skid plate was missing the rims were bent one of them. Then after that when i got home i came out to go to the store the bumper was glued on ground effects and bondo together. So We contacted corporate made a complaint and finally called again and the area manager called me and I am in joplin taking care of my mother in law she has XXXX wanted me to take it back to the dealership then it was un safe for me to drive especially on the hiway, so my husband called brain the area manager and they were supposed to put us in a new car with a new contract. What they did was immediately said we wrecked the vehicle took the car from us and my husband lost his job because of all this we have pictures, i feel like they are trying to cover their trakes and screwed and glued back togerther. They did not disclose it had been wrecked, their own teck guy that works for car mart did. They lied to get the car there and we only had itt 45 days. They are decietful... And cost someone their home there job and did not keep up their verbal promises,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
CFPB : XXXX This is a continued problem with XXXX XXXX XXXX. XXXX XXXX XXXX has deleted all of the payment history transactions after having 3 errors on my account. I am now not able to view my payment history from XX/XX/XXXX-XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Been attempting to solve the issue with the Bureaus and have yet to get a positive response of the matter and Now I am prompted to File an FTC report on the matter. The following accounts are fraud and should be removed from my credit report : XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX : XX/XX/XXXX : Inquiry : XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXXXXXX : XXXX : Collection : Fraud XXXX XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX  : Inquiry : Fraud XXXX XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX  : XX/XX/XXXX : Inquiry : Fraud US SM BUS ADMIN ODA : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud

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 2016-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, A subscriber to Transunion, XXXX or XXXX, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX v. XXXX XXXX. 

I ask that the inaccurate information be removed as their subscriber has failed to respond. 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 non-monetary relief
Consumer complaint received 2015-10-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We Re-Financed our Mortgage with a Credit Union, with Cash Back to Payoff Creditors. Our Credit Union used a Title Company to perform Creditor Payoffs. All but one Creditor received Payments. This Title Company has documentation they have sent two Payments, first to the regular Payment P.O. Box on Billing Statements. After 19 Days, Title Company said it was never cashed and Voided it. A second Payment was sent Overnight XXXX to a Payment Center at different street Address, Delivery received in person, yet after 8 Days has not been cashed or Posted to our Account. Our efforts to solve this are ignored by Collections & Customer Service. Our Credit Union & their Title Company are willing to again Void the Second Payment Check and issue a Third, but recommend a Manager Name, Telephone with Street Address for XXXX Tracking Delivery Verification, which the Creditor will not provide. Should we send the Third Payment to the same P.O. Box without ability to Track or document what happened to these Payments?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing was switched to Loan Care LLC this past summer. Since then I have missed bills, been charged fees, been denied the opportunity to pay my mortgage, been left on hold and/or disconnected multiple times, been denied the opportunity to speak with a manager, been belittled or condescended to. All the while I still have not received any bill or description of charges, penalties or fees.

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 2022-04-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My car was broken into & purse stolen on XX/XX/21. Several of my credit cards were fraudulently used at a nearby XXXX. My Chase XXXX XXXX was charged twice by the thieves in the amounts of {$450.00} & {$210.00}. The credit card company, Chase XXXX XXXX, has denied my claim that I was robbed and my card was used fraudulently despite me providing documentation such as police reports, car insurance claim, documents from other credit card companies acknowledging fraud was committed with a few other of my credit cards. I have provided all the documents they ask for to support that my card was stolen but they are trying to make me responsible for the fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: WA
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  account name ( 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 602 A section 2 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 explanation
Consumer complaint received 2016-02-23
Company: National Commercial Services, Inc
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am writing this complaint because of several violations of the Fair Debt Collections Practices Act by a representative of National Commercial Services. Several letters that failed to make clear the debt have been sent to my address and in recorded phone calls made on XXXX/XXXX/16 the representative threatened to turn me over the Department of Transportation, increase the debt should I verify the veracity of the debt, failed to read the mini Miranda, sent correspondence to my email after I told her that she could not use the address for communication and called me on my cell phone without requesting permission to contact me at that number. 

I request that a full investigation of these violations of the law be made by your office and the appropriate actions against National Commercial Services take place. 

I can be contacted at the above listed number and address. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had several debts closed on my Transunion report, and they are STILL on there under derogatory accounts/collections!!!!

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 2022-09-05
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: DriveTime
State: NV
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:
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this collection Midland credit management it appeared on my XXXX  and my XXXX  credit report I was victim of identity theft back in XXXX. This must be from the identity theft as I previously stated I have no knowledge of the account it doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Account Discovery Systems, LLC
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I went to school and took out a few loans to pay for the cost. I am now trying to work with the company to start repayment. they have given me a forbearance period. I have verified on several occacions what loans are owe and etc. This other company called account discovery systems llc keeps calling me with rude and unprofessional attitude. They tell me they will garnish my wages if I do not come up with a settle ment. I have documentation of what I owe. this company has XXXX complains on them. that 's a briefing and I will gladly give more if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XXXX, I started the dispute process with the three credit bureaus after identifying a couple of items on my credit report that were incorrect. After not having much success and feeling hopless, a representative of one of three bureau mention that I need to file Identitfy Report if I felt that this was a fraudulent account. I've have since filed a FTC and a police report and sent the information to the major bureau. Thinking this was going to help my situation I find out that that FCO still remains on my credit report. I spent over three weeks trying to get answers, just to find out that FCO is still reporting verified as accurate. 

I then sent an certified letter on XX/XX/21 to Fair Collection and Out ( FCO ) XXXX XXXX XXXX XXXX, XXXX, MD XXXX asking if they could provide me with a copy of signature on application with my name, proof I gave them permission to report to the credit bureau, payment history where I made payments to them. So I truly find out if some one actually stole my identity. As of XX/XX/21 I still have not gotten any response back. I'm at a lost of words and I have no idea what to do. This is my attempt to see if any of my rights are being violated. I sure hope that it don't take another 45 days before I here any word back. I've attached the letter that was certified over a month ago with still no response,

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 2017-05-24
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Last yea r, Citibank took over Costco ' s  XXXX   XXXX  card. During this time I was away on a trip. Upon my return I could no longer log into  XXXX   Bill Pay an d was told the card was no longer valid. I cut my card up. It to ok Citibank a couple  months to contact me that they had taken over the account. I asked for a statement showing my last balances and payments with COSTCO card since I could no longer access that and always paid bills on line. There was no response. A couple months later I started receiving calls from Citibank to collect the balance due. Well in this day and age of scams you would be stupid to hand your payment over to someone on the phone so I asked for the statement which I was told would be mailed. I clarified my address etc. No statement came. This scenario repeated itself-calls from them, sometimes several in a week, and my request to see a statement. I never got a statement despite the promises. For all I knew it was a scam . 2 we eks ago I got a letter from  XXXX  financial -Citibank had turned over my account for collection. I told the lady what had happened and how I have never received a statement. She was able to get and mail m e one.  I paid what was owed but do n't feel I should be paying late fees etc when Citibank could not or would not produce a statement. The Financial company could not negotiate that, so as a consumer I am just screwed  by Citibanks inco mpetence in the takeover of the Costco  XXXX  cards. I intend to shift any other credit I have with Citibank to another provider. They do not deserve the business.

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