BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it may concern, I recently challenged the validity of CREDIT ACCEPTANCE CORPORATION # XXXX ( Collection ) account thats being reported on my most recent credit report. 
Upon challenging this, XXXX  ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. 
I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. 
If such documents can not be produced please DELETE this account from my credit report immediately.

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 2020-05-13
Company: BARCLAYS BANK DELAWARE
State: NE
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:
I have a Barclay Upromise card and noticed a charge that we did not recognize on XX/XX/2020. I tried calling Barclay right away but was on hold for 30 minutes and then decided to email them securely. 

They responded XX/XX/2020 and suggested I try calling the merchant, which I did. It seemed clear it was fraudulent and so I called Barclay again. After waiting a 1.5 hours, I hung up and emailed again. 

They responded to the email and said they had to speak to me in person. 

I called them and was on hold waiting for a representative for 3 hours. It then took 45 minutes for them to help me get a new card. This is a total of almost XXXX hours today. Who has this kind of time?? Especially for a time-sensitive situation? 

I did receive resolution to this but I want it recorded that this was an unacceptable wait time for customer service.

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 2021-02-05
Company: WINNPOINTE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Interactive Mortage ( Winnpointe mortage ) - I applied for a refinance of my primary home on XX/XX/XXXX. The agent took the application and ran credit, approved me for a loan and locked me for 15 yr term@ 1.875 % APR. Asked me to submit the documents the same day so the underwriter can review.

- I submitted all the documents he asked me within 2 hrs. He said the processor would take over in 2 weeks. After 2 weeks, he went on leave and told me that someone would be assigned soon and they should be able to close before end of XXXX for sure. 
- XXXX went by, XXXX went by, followed up on email and finally a processor was assigned and sent me the closing disclosures on XX/XX/XXXX. Since then a notary called me atleast 4 times that they were assigned for closing but company cancelled it all 4 times for delay in documentation. 
- I followed up multiple times on email and on phone, left messages but no response from processor. I again contacted the loan agent and he asked me to keep sending emails to the processor reminding her that I am waiting and copy him - After 60 days, he called me today to mention that the rate lock will expire tomorrow and he can not honor the rate I got. 
- I took great pain to follow the market and lock exactly the day the market went down and allowed my credit pull. 
My credit pull caused a hard hit and I dont even have a loan, by baiting and switching, Interactive Mortgage deceived me with their fraudulent practice. The sales team seems to be pitching and moving forward while the operations are unable to do their job. 
When asked for a senior contact to discuss the issue, the loan originator told me to fish it out on the internet and figure it out myself and that he can not share. He shared his supervisors number but he already mentioned there are many cases like this and that the supervisors wont do anything about it. 
So went to XXXX and got the email of the VP of operations ' email and wrote to her. Guess what - No response!!! 
The worst part is there is no one other than the loan originator and processor that you can contact to escalate or report the issue. None of the higher-ups have their contact information published anywhere on the site. I am unsure how they even got a license and are operating in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The online account summary shows " available credit '' as approximately {$1200.00}. When I presented my credit card to pay for {$280.00} purchase, it was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Santander Consumer USA Holdings 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 have a loan with XXXX XXXX, XXXX/XXXX, and SANTANDER CONSUMER USA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX, and SANTANDER CONSUMER USA with no successful resolution. There was definitely an error on their part

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/XXXX, Bank of America decided to close my credit card without prior warning or reason. The notice which I received from Bank of America was emailed to me on the day it was closed, XX/XX/XXXX. Bank of America subsequently mailed me a letter that was intended to " explain '' why they made their decision. However, when the letter arrived it provided no specific reasons. Instead, it simply listed a list of possible reasons as to why a credit card would be closed. It provided no clarification or evidence that went into the decision of my card being closed. 

Upon reaching out to Bank of America by phone, the associate I spoke with said that they would send me more documentation in order to help provide more information and details. However, despite having that phone call, I never received that letter. 

It is now XX/XX/XXXX, nearly four months since they closed my account - an account which I held with them for nearly 7 years, and I have no idea why. I maintain a very, very strong credit score and had a dependable record of monthly payments for the card in question. And so I feel compelled to assume that Bank of America closed my account for unjustifiable reasons and is trying to avoid addressing and fixing this issue which I know to be a mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Bread Financial Holdings, Inc.
State: FL
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:
I purchased a XXXX XXXX puppy at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, financed with Comenity Capital Bank for {$3500.00}. I returned the dog within the 48 hour period since my apartment will not allow. I offered XXXX 50 % of the financed amount ( {$1700.00} ) to close the account, and they refused. They reported if i paid cash, they would give 1/2 of the money back, but since it's financed to deal with them. I sent a letter to Comenity, explaining that my balance should be XXXX since the product was returned in a few hours, but they refused and want full balance owed {$3500.00}. This seems criminal that I have to pay for something I don't have with a 29.99 % apr attached. XXXX will resell the dog for {$3500.00} twice for a total {$7000.00}. Since everything was returned within the period, I want my balance to be {$0.00}, not {$3500.00}. I have all the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX HARD INQUIRIES MY CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXX VA XXXX ALL OTHER ADDRESSES SHOULD BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had to deposit money into my grandmother 's account, held at Bank of America. I was told they can not accept cash deposit since I was not on her account. They did make an acceptation to " their rule '' because she is out of country.

The reason given to me for the bank 's decision to not accept cash deposits from non-members is to cut down on fraud and " its not traceable. '' I fail to see how discriminating against deposits will cut down on fraud when specific bills accepted at the teller are not accounted-for nor associated with my specific account.

How can a financial institute do business in our country and not accept the Federal Reserve Note, the legal tender for all debits public and private here in America, because its not traceable?

So is the true reason for the bank 's business practice just for the tracing of a person 's finances? Usable in a court of law? Who is our government working for, if not for its people?

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 2018-02-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
This address does not belong to me. It's a Private Mailbox address with no suite number. I do not have an account at this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, an individual or individuals used my identity -- at least my name, maybe more, but not my SSN -- to apply for a line of credit with XXXX, which is my mobile carrier. On XX/XX/XXXX, I discovered that this resulted in a hard inquiry being made on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX 's fraud department and informed them of this. I was told that it would be investigated. I also filed a police report. 

On XX/XX/XXXX, I filed an online dispute with XXXX. I filed, with great difficulty, a dispute by phone with XXXX. I attempted to file a dispute by phone with TransUnion, but was told that I needed to contact XXXX to get a letter stating that the charge was fraudulent. 

On XX/XX/XXXX, I called XXXX to follow up with my XXXX inquiry. I spoke with a supervisor in the fraud department. XXXX had no records of my XX/XX/XXXX inquiry, and it was clear that nothing had been done. The supervisor told me that she saw a hard inquiry from XX/XX/XXXX with my name but not my SSN. She told me that she could only provide a letter if it was my SSN. I reiterated that the inquiry was fraudulent, therefore nor my SSN, yet it still appeared on all three of my credit reports. She/XXXX refused to look into the matter any further or take any action to have the inquiry removed. 

Not only am I the victim of an identity theft, but I also feel that XXXX and/or the credit bureaus are not following the law. First, XXXX initiated a hard inquiry into my credit with a fake SSN or an SSN belonging to someone else. This inquiry should not have been possible, as they should not have been able to verify my identity since it was being used by someone else with someone else 's SSN. Second, XXXX refusing to provide a letter to the credit reporting agencies continues the perpetration of this fraud. Third, shouldn't the credit reporting agencies have some agency in this? 

I was the victim of a crime. I have followed all of the recommended steps. The police have refused to investigate, and the companies involved have refused to cooperate. I have no faith that anyone will ever be held accountable, but I don't think it's too much to ask that I not suffer the consequences of a lower credit score, higher interest rates, and less financial stability resulting from me being the victim of a crime.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Experian Information Solutions Inc.
State: GA
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 contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury tp my person as I am not able to acquire new credit based on these false invalidated claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury tp my person as I am not able to acquire new credit based on these false invalidated claims.

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 2017-09-14
Company: Atlantic Credit & Finance, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I started receiving calls on XX/XX/XXXX from a restricted number or XXXX. From XX/XX/XXXX they have called me XXXX times from the same numbers. Sometimes multiple times in XXXX day. They have also been contacting my husband on his cell as well. This debt has no ties to him and on XX/XX/XXXX when they called for thr XXXX time i told them they are not to try to contact me on his number. 

I did talk to them on XX/XX/XXXX and agreed to male arrangements with them but kindly asked them to call me back because i was driving and trying to drop my XXXX off at XXXX. They proceeded to keep me on the phone for XXXX minutes trying to " console '' me with XXXX XXXX and XXXX psychology. I asked them to send me a statement so i could send them monthly payments. I got irritated and hung up on them. 

On XX/XX/XXXX they called again and I answerd to let them know I received the statement and that I would be sending monthly payments. The XXXX girl " XXXX '' stated that was only if i was paying the entire balance. I repeated to her what my intentions were then she handed the phone to " XXXX '' where he started with his XXXX XXXX and XXXX psychology again. I explained that I did not feel comfortable giving my account info and that I would be sending checks. This conversation went on for XXXX minutes. They were very condescending and refuse to hang up after I told them I was going to send monthly checks.

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 2020-11-20
Company: SYNCHRONY FINANCIAL
State: SC
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: Problem with personal statement of dispute

Complaint:
Dated Fri, XX/XX/2020 addressed upon complaining with Synchrony and Lowes stamp if relaying XXXX XXXX XXXX florida XXXX Attn : Fair Credit Reporting I am being unfairly denied credit and see an in accurate piece of information. 

My name is XXXX XXXX XXXX and I am asking for a reason the credit has been denied during a application I personally made in the last 72 hours with Synchrony Bank and Lowe 's Credit. 

I have a score that's is XXXX or above yet Lowes reports the score at the number ( s ) XXXX. 

My score is XXXX with XXXX XXXX XXXX respective using the XXXX XXXX app which is very well established and reputable. In fact, my credit is updated everyday and everything looks outdated and inaccurate with the Lowes denial Synchrony ongoing hard even too recognize if understand problem. 

Why is an old in accurate record preventing myself from getting fair and accurate credit reported. A copy of this letter will be sent wearily if further access is not being provided to the board of credit to foil the old dusty gathering of information. 

I can tell you I have zero disputes, no frozen transactions, I've made over 60 months of payment ( s ), I am current and in more than satisfactory perspective upon typing Synchrony XXXX XXXX purchase, and I have zero credit blemishes. 

There is no true reason for the denial. At a bare minimum we can see from the described letter campaign beginning that the information was misjudged by XXXX and Lowe 's is grabbing old information ( I don't think this is a problem solution matter it's illegal and someone is foiling me when more robust accessible and bright information certainly has our perspective ). 

I think it's important that a bias does not have the beginnings of certain I'll will with XXXX. 

I have a XXXX score and that's Fair Credit not poor and is significantly higher than the inaccuracy unjustly reported if ever represented ( resources showing all this are included with photos from the 3rd week of XXXX is week LAST and JUST quite recent ). 

I am not illegal or soliciting anything but there is a problems which is zero respect for me from XXXX  and I deserve to have a moderate amount of credit. 

Thus far as you know, I am asking for justifications and logic because I deserve fair and accurate credit reporting, as we can always expect. 

Please help. I need as little as less than {$500.00} from Lowes and will sure is take what I can get. 

If a lawsuit may commence for discriminatory practices please let me know where to begin. 

THANKS for continuing the conversation, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX SOUTH CAROLINA XXXX cC : XXXX ( 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 2020-08-28
Company: Experian Information Solutions Inc.
State: OH
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/2020 I sent a letter regarding inaccurate and unknown 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 disputes. Section 611 ( a ). It is plainly stated that a failure to investigate 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 the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten 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 2018-07-08
Company: Riverwalk Financial Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XX/XX/2018, {$7200.00} Asked the company to verify the debt. Nothing received. 

They claimed they purchased the debt ( pennies on the dollar ), they want me to pay that amount so they can remove it from my credit report ( XXXX )

Company response to consumer: Closed with explanation