BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: ENCORE CAPITAL GROUP INC.
State: AK
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 never received anything from midland credit only way I found about the debt is that it popped up on my credit report. During my first phone call with them. I stated that I would contact a attorney if I need to but that I currently do not have one. I tried to call back to settle the debt and they would not allow me to pay. I have this on voice recording which I stated that they were being recorded before the conversation. They want written letters and would not allow me to just pay my debt. I feel as if they dont have enough info about the debt and are trying to do something shady. When I tried to pay they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: World Acceptance Corporation
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a XXXX $ personal loan that was to be paid back in XXXX payments of XXXX XXXX I paid the XXXX payments and the next month after my last payment they called saying that I owed them another payment which I did not. Payment history reflects the XXXX payments as well. It's has continued to be reported on my credit and there is late charges of XXXX $ on a payment that I did not owe. Even though the account has been closed for years they still keep increasing the " late charges ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2021-03-21
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I stayed at a hotel and the hotel placed a hold on my account for {$100.00} for incidentals. This was two weeks ago and the hold has not been removed eventhough the hotel released the funds 12 days ago. I called KeyBank and they informed me ( for the first time ever ) that holds from a hotel are held for 45 days, even after the merchant releases the hold. I can not understand how they are legally allowed to hold my money for 45 days when the merchant released the funds in 2 days, this seems completely ridiculous and frankly immoral and unethical and there can not be any valid reason for this, especially considering this is my unemployment benefits card and I am unemployed, I need this money right now I can not have them holding it for 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Nelnet, 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: Problem with personal statement of dispute

Complaint:
Nelnet was on pause while bankruptcy proceedings and still waited months later to report 6 payments being late. It was a forbearance and a COVID-19 were they on pause for any type of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent.

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 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On multiple dates regarding the weeks of XXXX, XXXX, and XXXX, Transunion LLC was notified and made aware in accordance to 15 USC 1681s-2, sections ( a ) ( B ) and ( a ) ( A ), that there are and still are unauthorized and unverified credit inquiries with no accounts attached to them are still reporting and negatively affecting my credit score. Taking into account 15 USC 1681s-2 section ( b ) ( E ) and 15 USC 1602 sections ( e ), ( i ), and ( g ), state and make clear that I am the original creditor and I have said and told this to the employees at Transunion LLC and they refused to remove the following credit inquiries : XXXX [ Inquiry date : XX/XX/2020 ], XXXX [ Inquiry date : XX/XX/2020 ], and XXXX XXXX XXXX [ Inquiry Date : XX/XX/2020 ]. I have made Tranunion LLC aware multiple times of these inaccurate and unverified items due to the FCRA and Transunion LLC has refused to remove them so I reach out to you Consumer Financial Bureau for your assistance with this matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Westlake Services, LLC
State: CA
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:
Westlake Reported to the Credit bureaus that I owed them XXXX $ but that was In correct because they Agreed to have it removed from my credit report. They Also stated that they will send me a letter to confirm that the amount was paid off. 

The issues are I ended the contract so they had no business adding a loan. Because I didnt owe them any money. I asked XXXX to remove but instead they came back and stated that it was an actual charge. But it wasnt it was in correct

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 pulled all 3 credit bureaus report my XXXX credit score is XXXX, my XXXX credit score is a XXXX but TransUnion score is a XXXX.TransUnion is not reporting my score accurate.There no way my TransUnion score is a XXXX I have no collection and no late payment 1 percent credit usage and 2 inquiries.my TransUnion was a XXXX before I paid my credit usage down to 1 percent. This score is not accurate please fix as its hurting me Financial.

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 2021-06-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have sent the proof to XXXX XXXX, & Equifax that they are reporting wrong information on my credit report and that it needs to be removed, but they have not removed or sent any response to me at all. I have sent 3 letters to each company starting from XXXX/2021, XXXX/2021/ & XXXX/2021. Ever since Civil-19 they have been getting worse and worse. This isn't fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
BMO bought my loan from Bank of the West and the roll over began in XX/XX/2023. I made my payment on the loan with BMO XX/XX/XXXX and XX/XX/XXXX my bank account was automatically withdrawn for another payment. I never signed up for automatic payments and I never used automatic payments with Bank of the West. XX/XX/XXXX I call BMO with the complaint and ask if they would refund my bank account, they said yes it would take 3 to 5 days. I called back on XX/XX/XXXX letting them know I still have not been reimbursed, I was told if I did not receive payment by XX/XX/XXXX to call back. 
I have also been told that they are not sure if the automatic withdrawal has been canceled for 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 monetary relief
Consumer complaint received 2023-06-12
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I am writing about my account with BMW Account # XXXX this account was always on autopay. When the lease was extended for some reason the autopay was stopped yet as soon as I was made aware of this I quickly got the account caught up. 

I am also requesting copies of my contract I signed when taking out this lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 been sending letters and notices to Transunion Consumer Solutions to get inaccurate information removed from my credit report. I previously have been trying to get Transunion Consumer Solutions to validate and verify all accounts listed on my credit report. After further review of my Consumer Report all the accounts that are being reported have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which is a fact makes the reporting of all the accounts on my Consumer report inaccurate. This is in my second CFPB Complaint the week, the inaccuracies on my Consumer Report are cause me mental anguish and I hope I wont be discriminated.This is XXXX up how I have to send letters and make complaints about this XXXX. I hope no one else has to deal with this XXXX. I have a family, and I have been hurt by COVID. Having my information being reported on my Consumer report inaccurate is not fair to 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 2023-10-11
Company: Westcreek Financial
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2 personal loans with West Creek Financial XXXX XXXX  ) were made with my information a few months ago. I did not know they existed until XXXX XXXX reported that my credit score tanked XXXX points because there were late payments to these loans. I do not claim these loans to be mine. I have contacted the financial institute and they were unable to cancel the loan. The name, number, and email tied to this loan do not match the information that XXXX has in the database. I have a piece of mail that was sent to me that shows inaccurate personal identifying information on this XXXX  account, therefore giving me the information to get through a customer representative finally after calling 2 times because they have no accounts under my real information, except this false information. ( wrong name, number, etc ) 1st loan amount : currently {$4000.00} 2nd loan amount : currently {$1000.00} Again, these loans were fraudulently made and do not match my information with the XXXX database ( name, number, email ) I do not claim these loans to be mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, 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 try to resolve the problem with XXXX the company and send it them a copy of a police report from XXXX County Police Department and also XXXX XXXX XXXX county police department and they did not honor my request and I think its a shame that you can not present me any documents with my signature on it instead of all of it itemization home and I do not owe {$50000.00} in debt in my Social Security number is not XXXX it says I live in XXXX county I never live there before. I think a school representative did that when I called about information about a program years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was approved for a loan and after reading my contact thoroughly the credit score is incorrect the score is XXXX and my credit score is well in the mid and hight XXXX I talked to the specialist on the loan and asked why the interest rate was so high we didn't consider looking at the score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citizens Bank is using my email address XXXX for another customer also named XXXX XXXX. I made them aware on XX/XX/2023, but I am still receiving this customer 's banking details as of yesterday, XX/XX/2023. I am also receiving emails for some of his other accounts. Per XXXX, XXXX and XXXX are both mine. The period does not matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep.

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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting a debt to my credit that is no longer valid. This account is past the Statue of Limitations in Utah and I no longer owe this debt. I would like it removed off of 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 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX  Account number XXXX, Account name : CAPITAL ONE Account number XXXX, Account name : XXXXXXXX XXXX Account number 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2020-03-03
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting a debt to my credit that is no longer valid. This account is past the Statue of Limitations in Utah and I no longer owe this debt. I would like it removed off of 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 2021-05-04
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have asked BB & T Bank to provide me with proof of my wet Signature stating that I agreed to any contract or terms and Disclosures that would allow the bank to close my account at any time. The Bank Offer XXXX XXXX sent me a copy of my Signature which is XXXX  XXXX stating that I signed under Economic Duress which means I did not Agree to Anything on the contract.

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 2023-08-08
Company: Experian Information Solutions 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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