BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The funds were available in my bank account. Each week around {$1000.00} is deposited into my XXXX account. I called XXXX  and questioning them as to why I never received any notifications, therefore I could not transfer funds. My account has always alerted me and I have not had this issue. XXXX had charged me over {$200.00} in fees and there has been over {$1400.00} deposited into my account and each time my account balance is negative afterwards and when asked why are checks that have been paid are still being ran they refuse to answer. I feel my account is being used for illegal activities I want this to be thoroughly investigated. The last time I had this issue with a bank ( XXXX XXXX ), there was illegal activities going on with my account and I am concern about my personal information as well. For the last XXXX weeks after my funds have been deposited, there are not any funds for me to even put gas in my car. I can not keep work due to me having patients and there being a shortage of XXXX as a result of the pandemic.

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 2020-03-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells fargo days they have XXXX me off so long they dont have to pay me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX, 2017 I attempted to get my credit report on line from XXXX XXXX. On their website they do not have any forms to get credit report following a denial of credit. I tried using the free annual credit report forms and it came back that I had received my annual free credit report already.

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 2023-08-05
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was informed via email that this entire issue is being rectified by the three credit Bureaus ; XXXX, XXXX and XXXX, and the investigations are almost complete. I was told that my credit rose to XXXX, Exceptional. ( I took a photo of that. ) But now when I view it, I see that it only rose to XXXX, and is still " FAIR ''. 

( This " error '' that was COMENITY BANK 'S FAULT lowered my credit status XXXX points! ) On the morning of XX/XX/2023, I called Comenity Bank and spoke with XXXX and I explained that I didn't owe them {$21.00} since I was credited that amount. 
( Document attached ) That {$21.00} increased in size to {$84.00} due to interest and late fees. I told XXXX that I didn't owe them any money. I ( again ) told him everything. 
XXXX told me that they were sending a check for {$84.00} and I should receive it in 5-7 days. He also said that I owe them nothing, everything has been cleared BUT, on my credit report, I am seeing that I owe {$4.00} to Comenity Bank. (? ) I check my credit status through one of the Bureaus and it shows that I owe {$35.00}. 
( I feel that XXXX lied to me. ) How can I owe any money? This is supposed to be rectified? 
I can not see the results of the investigations with XXXX, XXXX or XXXX because, for some reason, I can not sign in. 
My email is not recognized ( I only have one ) and then when I " create an account '' it is noted that, " This email already exists ''. 

I have dealt with so much stress with this entire issue. It needs to be fixed and stay fixed. NO MORE FALSE PROMISES. 
How can we do this? 
Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN I
NSTRUCTIONS.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the accuracy of information on my credit report maintained by your bureau. After a thorough review of my credit history, I have identified an inaccurate late payment entry that I believe may be the result of a bank error or system glitch. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I pride myself on maintaining a strong record of timely payments, and this reported late payment is inconsistent with my financial behavior. I suspect that there may have been a bank error or a system glitch that led to this inaccurate reporting. 
I understand that accurate credit reporting is crucial, and I believe resolving this issue is essential to maintaining the integrity of my credit history. Please investigate the possibility of a bank error or system glitch that may have led to this inaccurate 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 non-monetary relief
Consumer complaint received 2023-06-06
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 belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Carvana Group, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
New purchase I picked up a XXXX XXXX XXXX from Carvana on last week. The car list minor scratches and has much more damage than what they listed on the website. The vehicle was listed as having XXXX, XXXX miles. When I arrived on my lunch break to pick the vehicle I advised the Carvana employee of the carved scratches in the hood, sideswipe on the front passenger fender and damage to rear bumper. All he said was its all within Carvana 's standards. I live approximately XXXX minutes from Carvana and when I arrived home I noticed the vehicle had over XXXX in mileage, not XXXX as listed. I didn't notice at pickup, because a maintenance note was showing, the vehicle was almost three months behind in servicing. 

I immediately called and advised Carvana of my concerns. I was told that I would receive a new contract, which I have yet to receive.

This is the second vehicle that I have swapped out with Carvana within the last two weeks. The first vehicle had moderate front end damage, removed tint from the windows, and a dent in the roof of the vehicle. I was not informed of the damages, they were noticed at pickup. ALSO, the XXXX XXXX XXXX is back on the website, and the damage is not listed. 

The XXXX XXXX XXXX was delayed for pick up, as we experienced XXXXwo days of hail. I noticed chips in the windshield that are not noted, when advising Carvana, I was told that they do not cover windshields anymore. I returned the vehicle, because it was affecting my work days, only to swap out and experience the same thing. It appears that Carvana falsely advised vehicles listing minor damage, when they know more. I was told to file a claim, which all must be done within the 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I decided to get copies of all three of my credit reports on XX/XX/XXXX. After reviewing all three copies I noticed on two of them that there was a collection account. The collection account is listed as Midland credit management is the amount of {$490.00} I have checked and searched profusely to try and find any bills or records that support this claim but to no avail. I realize now that this is the same account that I have disputed several times twice in XXXX. The first dispute was in XXXX of XXXX and the second one was in XXXX of XXXX. 
After the disputes I received emails stating that the listed accounts are accurate with no change in the listing. I have yet to receive any proof with my name, address social, etc. I would like to have this negative information removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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: Account status incorrect

Complaint:
Paid off auto loan appearing in my credit reports. I submitted dispute with XXXX  and pending response. 
My complaint is with Equifax 's online dispute process. I have attempted to submit dispute but their system continuously claims no internet connection. I have used mobile and wifi connections and in both instances I get a " no connection '' error response. I have attempted dispute in different dates and locations and response is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank sent me a letter XX/XX/XXXX stating their closing my account into a decision was based in a part on a credit scoring system. They have my score XXXX date : XX/XX/XXXX, and while the date of the credit score may not be recent, My score has likely not changed significantly since this date. Which that is incorrect, date : XX/XX/XXXX My score was XXXX, date : XX/XX/XXXX My score was XXXX and date : XX/XX/XXXX my score was XXXX. They want to close my account with Inaccurate information, and I'll be gladly to give my score reports as 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 2022-08-06
Company: BARCLAYS BANK DELAWARE
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am reaching out after multiple attempts to get Barclays to rectify the fraudulent charges and subsequent issues with my Barclays XXXX XXXX. Fraudulent charges from XXXX XXXXXXXX were charged to my Barclays XXXX XXXX on XXXX XXXX, XXXX and XX/XX/XXXX, each in the amount of {$240.00}. After discovering the fraudulent purchases in my statement, I contacted Barclays who then proceeded to investigate and determined that they were, indeed, fraudulent charges. I requested that they close my account and issue a check to me for the overpayment, as I had already paid off the card balance in full. 

I received a check from Barclays in XXXX, XXXX for the overpayment and assumed that my account had been closed as well. Apparently they never closed the account, and instead mailed me a new card ( which I never activated ) and subsequently, a new statement with the same exact fraudulent charge from XX/XX/XXXX included, along with late penalty fees/interest. On XX/XX/XXXX, I spoke extensively with a Barclays rep who assured me the balance would be cleared from the new, unrequested card, and that the account would be closed. Not only was the situation not rectified, the other fraudulent charge from XXXX XXXX reappeared as well after speaking with Barclays. 

On XX/XX/XXXX, I spent 3+ hours on the phone and via chat with Barclays trying to get the situation resolved, but they have again failed to resolve the situation, with late penalty fees/interest accruing and likely damaging my credit score.

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 2023-08-05
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime in XX/XX/XXXX to early XXXX, I received several collection letters from collection agencies including Resurgent Services, Financial Recovery Services, etc alleging that I owe money from XXXX XXXX XXXX. I did make any loan from XXXX. I immediately called XXXX and was able to talk to XXXX XXXX, XXXX XXXX ( tel # ( XXXX ) and reported the matter. He said the money was disbursed to XXXX. I don't have a XXXX account and he said he will investigate and will call me back. I also reported the matter to the XXXX Police Department where I live and filed an ID Theft Victim 's Complaint and Affidavit. I had them notarized and sent them to these collection agencies together with other supporting documents ( copy of proof of residency, etc. ). I hadn't heard from them since then and I thought it resolved the issue. Lately, I started receiving the same letters from these collection agencies again!!! I called and sent them the document that they asked but they still kept on asking for more information which I believe only XXXX can provide them. This also has affected my credit history and I ask to please help as this is getting a toll on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one

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 2020-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, I made a mortgage loan application with Bank of America on XX/XX/XXXX to purchase a home. 
Per my real estate contract, I was to close on XX/XX/XXXX. 
When I inquired about my loan status as we were getting close to the closing date, I was told that the Sellers Realtor had not returned the appraisers call to schedule the inspection. After this went on for about a week, I called the Sellers Realtor and she said that she had not received any call from anyone to schedule an appraisal for this home. I advised Bank of America of that and after we traded a number of calls, and a week had passed, they finally admitted that no one had made a call to the Realtor.  Basically, I had been lied to repeatedly for that period of time. 
Then Bank of America told me the real problem was that their appraisal firm that they use was having a hard time finding an appraiser in that area. That seemed to be hard to believe because 694 homes were sold in XX/XX/XXXX in that immediate area and I doubt that they were all cash. Other lenders clearly were able to find appraisers. 
The day before the scheduled, contracted closing, I was told that they loan would not be ready to close, and Bank of America asked if I could delay the closing by a week. I got with both sets of Realtors and the sellers agreed to amend the contract and close on XX/XX/XXXX and not XX/XX/XXXX as per the original contract. 
The next week was no different. Now after the original scheduled closing that did not happen and was subsequently rescheduled for XX/XX/XXXX, for the very first time Bank of America was asking me for some new additional documentation and some work to be completed on the home prior to closing. Needless to say, the loan did not close as re-scheduled on XX/XX/XXXX either. The day before the second scheduled closing I had to make arrangements to borrow against my stocks to close per my real estate contract. 
The saga continued from there. Bank of America suggested that I apply for a XXXX XXXX Delayed Purchase Loan. Since I had so much time and effort with them that is what I did and I just closed the loan on XX/XX/XXXX, four months after I started my application. 
This was a complete fiasco from beginning to end. I was lied to, mis-informed, closing dates were missed or completely abandoned at the very last minute. I could not find anyone within Bank of America that cared. 
Based on all of the above I would like to file a formal complaint with the CFPB. If you have any questions or require any additional information, please contact me. 
Respectfully,

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 2020-03-02
Company: Experian Information Solutions Inc.
State: AL
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:
This is an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports. These are a result of identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$510.00} Inquiries : XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.

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