BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: Sezzle Inc.
State: MN
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:
I have spoken to this company several times since XX/XX/2021, Sezzle. They have been reporting the same information to my credit report for the last 3 months stating I owe {$430.00}. When I dispute this information through the 3 credit bureaus they report back stating my information as accurate when I show proof that I owe no such thing. When I reached out the Sezzle they have gave me the run around stating they have escalated this problem to the credit bureau team and it will get fixed that has not happened since XX/XX/2021. Then they said I will have to close out my whole account and reopen it and maybe that will help. This company also is not reporting that I am paying them as far as payment history. It is now XXXX and the same information is there and I actually owe {$53.00}. I have told Sezzle support in email I am no longer addressing this problem with them this has gone too far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been dealing with this issue for over the past 2 years now. First with XXXX XXXX XXXX XXXX my acct number for my mortg XXXX is XXXX. XXXX XXXX. They claimed I had unpaid payments of well over {$13000.00} and that WELLS FARGO retracked those payments from my XXXX XXXX Acct due to my bank XXXX XXXX, said " either NSF, or or wrong account number, OR mis applied pymnt. well these accusations are not true. I have contacted not only XXXX XXXX XXXX many times as you will see in your investigations, but also to XXXX that provided me with the docs to show the monies coming out of my acct and never being returned or pd to XXXX. they supplied me with all the tracing numbers and all. I then sent all this to the escalation team at Wells FArgo. They REFUSE TO GIVE ME ANY HELP OR INFORMATION, Stating ..That I am not on the Account or on any account with XXXX I am leaving another email to XXXX XXXX at XXXX re : what Wells had told me. I need this Resolved as I am trying to sell my home and buy another.. I am seeking a settlement out of court of approx. {$48000.00} for the Partial Claim I had to sign to keep my home but for all the hour 's I missed from work and hours and years spent to get this resolved. I just got off the phone with the Supervisor from ells Fargo Escalation Dept ( XXXX XXXX and he still would not help me stating it is XXXX or XXXX  fault. Please help me with this. Thank you, 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 2022-12-29
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I was recently subjected to an elaborate fraud/scam scheme via XXXX. I attempted to purchase several items on XXXX and was instructed to use XXXX to pay for my items. I sent via XXXX to {$1500.00} to XXXX XXXX " Account XXXX '' @ XXXX of a Sports Card Trading Company on XX/XX/2022 for the purchase. Then, I was instructed to pay an additional {$1000.00} to a second account manager via XXXX, to XXXX XXXX @ XXXX. Upon completion on my second money transfer, I was instructed to pay {$1700.00} in custom fees for the items to clear the boarder. I sent this payment to XXXX XXXX and they requested a different XXXX account, this time XXXX. Overall, I sent a total of {$4200.00} for the transaction. The whole time the scammers were using a fake XXXX tracking website and fake tracking numbers to spoof me into believing my order was on its way. They also provided fake pictures of the items being boxed and fake shipping labels. This elaborate hoax was totally fraudulent and I attempted to reach out to US Bank under the terms of U.S. Law Regulation E, to protect consumers against fraudulent electronic fund transfers for a return of my funds, however, US Bank has denied my requests. I would like protection under Regulation E to insure US Bank provides a refund for this fraudulent transfer. I can provide any additional information and pictures of conversations with the fraudsters and happy to answer any questions regarding this matter. 

Thank you for your help, 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 2022-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect information on my credit report, It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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:
I have unauthorized inquires on my XXXX, Transunion and XXXX report. I have sent them a letter stating these inquiries were not authorize by me and to please have them removed. They have yet to remove the unauthorized inquiries. I totally understand under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
According to the CARES ACT there should be NO late payments during COVID. Remove ALL of these late payments IMMEDIATELY, please. 
Account # : 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 2023-02-18
Company: U.S. Auto Sales Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I went into US Auto Sales- XXXX - XXXX XXXX @ XXXX XXXX XXXX, XXXX NC XXXX with my pre approval to make a Consumer Credit Transaction to receive Financing for a vehicle. 

This XXXX expressed that they were under TRUTH IN LENDING and continues using Confusing or misleading advertising or marketing requiring down payments or installments to be made in connection with financing. Pursuant to 15 USC 1662 [ No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit XXXX state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a ( specified downpayment is required in connection with any extension of consumer credit ), unless the creditor usually and customarily arranges downpayments in that amount. ] I know that I am a Consumer and as a consumer it is my credit that is being extended for financing to be possible and that once I am approved for financing then I should not be required to make any cash payments or installments pursuant to 15 USC 1605 The finance charge does not include charges of a type payable in a comparable cash transaction. 

XXXX XXXX the sales representative along with XXXX the XXXX continued to use High-pressure sales tactics to enforce a downpayment although this was a XXXX XXXX transaction. 

I have intentions to purchase the vehicle in good faith as personal property to have a reliable means you and from work. Due to these unfair and deceptive practices I have been fraudulently denied the right to extend my credit and act as a consumer and would like to claim damages loss due to this negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: BARCLAYS BANK DELAWARE
State: TN
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:
Barclay 's Bank of Delaware accessed my credit report twice in the same day in response to a legitimate credit line increase request. I already had 1 inquiry in the previous 2 years which was legitimate. Barclay 's negligent and tortious actions have resulted in a total of 3 inquiries on my report which has harmed my credit score as the range of acceptable inquiries is 1-2 for " good ''. Their actions have pushed me into the 3-5 range which is " average ''. I have emailed their customer service inbox with a screenshot of the error and their response was to log into my online account and submit in inquiry in the message center. I have done so twice and only received canned responses which do not address my complaint. This is not the first time this institution has ignored or dismissed my valid disputes. In 2015, my account number was compromised and there were fraudulent charges on my card which Barclay informed me I had to pay for until they completed their investigation at which point they " may '' refund the charges. They only took the fraudulent charges off after I went to their facebook page and posted the message exchange.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have over a year i have been disputing these accounts on my credit profile. 

US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX they are reporting incorrectly which is hindering me from the proper use of my credit.

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 2021-12-29
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a communication from National Credit Adjusters for a debt I incurred with XXXX XXXX XXXX that was dated for XX/XX/2021. This communication indicated settlement options available to me for this debt. I contacted them on XX/XX/2021 and spoke with XXXX XXXX ( XXXX ) and agreed to a settlement amount of {$1100.00} and scheduled payment on XX/XX/2021. I received confirmation # XXXX for the transaction. As we were wrapping up the call he mentioned that he had another debt for me with another company and asked if I would like to set up arrangements for that debt. I indicated that I had not received any communication on that particular debt but I would call back. At that time he provided his extension and work hours. 

about a month later I noticed that the credit reporting associated with XXXX XXXX XXXX had not updated and submitted a dispute with the credit bureaus. I included the info regarding my payment that was made. My dispute came back that the debt collector provided info that the debt had not been paid. Eventually I realized what they did- they took the payment I made that was intended for XXXX XXXX XXXX and applied to the other debt. The other debt has never showed up on my credit nor have they ever sent any communication for that other debt. They have only communicated regarding XXXX XXXX XXXX. 

I am disturbed that they have employed such a tactic by misleading me as to how my payment would be applied. They never disclosed that the payment I agreed to on XX/XX/2021 would be misapplied to another debt. I am including a copy of the communication which includes my notes that I wrote on the day the I agreed to paying XXXX 

just to be clear my dispute is with National Credit Adjusters - mailing and contact info is XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ; XXXX, KS XXXX Toll free - XXXX ; Fax XXXX NCA Account XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
I purchased a vehicle thru XXXX XXXX and XXXX yrs into the loan thru XXXX XXXX I find out that there where XXXX different contracts with XXXX different amounts that I was totally unaware of the one XXXX XXXX has that the dealership sent to them with my signature fraudulent activity using my signature but not from me I made both the dealership and finance company aware of this and they rapidly blamed each other and the dealership also refused to show me any proof of my purchase or contract I was told the car was brand new and that I was sold a extended warranty that I later found out was not true on the contract the finance company had as well as a vehicle I had I plan to trade to the dealership was showing in the contract as a trade when I actually was told by the sales guy they won't be taking my trade I went to the dealership with the finance company on the phone and was treated so bad I cried they kept saying that the finance company had gotten my contracts confused with another company the lady at the finance company was hearyhim say this and told me he was being recorded and to stay calm but later they both have yet to fix issues also the transmission had went out six months after i purchased but kept being told due to COVID-19 i cant get in for repair then later i discovered this because i had the fun company send me there copy when i notice the amounts where off during attempting to make a payment over the phone with a rep who later sent me a copy of the ond they where sent please help me i am mentally exhausted heart broken I honestly went to the dealership trying to better my financial future and it made my worst nite mare a reality please help i am in the process of tryin to fix my credit and this is not right thank you to whom this may concern

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XX/XX/21 I deposited check for XXXX. I called my bank on XX/XX/21 to see if the check was clear I was told by my bank it was. I did not touch the money until the XX/XX/21 and sent the money back at the request of the person who wrote the check. Later my bank said the check had BREACH OF WARRENTY and charged me back the XXXX. So now the person has XXXX I would like to get my money back. I would never have sent the check back but td bank told me that the check was good XX/XX/21 so I sent the check back to the company XX/XX/21. I am asking them to put my account right with the XXXX since they allowed a debit on XX/XX/21 which is way beyond the date they should have allowed to debit my account, the 5 to 7 business days had passed and the debit should have been denied. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-09-25
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past several months I have contacted the creditors as well as the Bureaus to verify these 2 accounts reporting on my credit reports. Both have failed to respond to my request. Both of these accounts below are not mine and they have no evidence of supporting documents pertaining to me. I asked the bureaus and creditors to remove them for my credit reports. They have failed to do so. 

CRDT CTRL CO ( XXXX XXXX XXXX ) Reporting on XXXX and XXXX Account # XXXX Collections Charge off / Derogatory Balance of {$240.00}. 


XXXX XXXX Account # XXXX Collection/ Derogatory reporting on 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 2021-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I bank with Bank of America. I have been with them for many years. One thing I have noticed for a long time is that they do not update account info/balances in real time over every weekend. I can look at their app on Friday and have x amount of money and use the card over the weekend and wake up Monday morning with a negative balance and several overdraft fees. Any other bank I have asked other people about update in real time regardless of day of the week. I feel that BoA does thing knowingly in expectation of profiting from overdraft fees. I have been charged 2 {$35.00} overdraft fees this past weekend, both occur on XX/XX/27 in the attached spreadsheet. If you also review the running balance column, you will see that my balance was never in a negative or overdrawn state. Trying to communicate with BoA is another ridiculous thing. They have about 5 % of their branches offering onsite meetings with dates available weeks in the future. If you call their XXXX number, the wait is always more than an hour and you often get disconnected. If I knew who to contact to file a class action suit against them, I would be pursuing that option. In closing, just let me restate, BoA does not update personal account balances and transactions over any weekend. In this day and age of digital living, I do not see how it is possible that BoA is not updating account info in real time.

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 2021-12-29
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have requested written verification of this debt from this company on multiple occasions. To this date, I have not received any documents validating this debt. All correspondence was? sent via certified mail delivery # ( XXXX ) XX/XX/2021 MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1 ) ACCOUNT # XXXX AMOUNT : {$2900.00} ( XXXX ) ACCOUNT # XXXX AMOUNT : {$13000.00} I have attempted verification also by way of disputing with the credit bureaus also. Verification was not provided from XXXX, XXXX, and XXXX who all continue to report these unverified negative marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$100.00}

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 2021-12-29
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account should no longer be on my report it exceeds the statue of limitations in the state of Maryland and according to the law must be removed for multiple reasons, debt cant be validated

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