BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
please i need help i been sending disputes and nothing has change i need this to be resolved. Im trying to buy a house and i have damages on my credit report and things in my credit report that is not mine. According to the law 15 USC 1681 there should not be any damage on your report this is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: U.S. BANCORP
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:
an Enitity pressured me to give them a credit card although they agreed to a cash amount for a service that i paid them with a Money Order in advance of getting service. they charged me excessively & I was advised to report to the Credit Card Co. 
I did they took my statement - got the Entity statement & disagreed with me. however to overt this Business from charging more & claiming more false narrative I told U.S. Bank / Smith ' to closed the account. 
i continued to pay a monthly balance while closed & while his matter was in litigation. 
in calling U.S.Bank because i received something that I could get a higher credit i found that this account was not closed. 
In that conversation i was assured it was going to be closed. 
Periodically I asked XXXX for a Credit Score ( see file I took them to Federal Court & Settled ) they would not provide a Credit Score without money. 
In talking to an Advisor about selling my home well before the current Seller Issue she told me that I could sell " handsomely -but that i could not get a mortgage-because my credit score dropped to the XXXX ' with XXXX XXXX XXXX. 
She said that she determined that I lost a 100 plus points due to this closing of this account. 
When I recontacted U.S.Bank they said they wouldr e-investigate this Fraudbut determined that it was to late. Not late enough to be filed in court. 
They ultimately told me that I would have to re-apply for a credit card. my advisor said that would only lead to a lowering of my Credit Score -- -- -- -- more! 
I've been back & forth with u.s. bank to include Fax ' ( XX/XX/XXXX & XXXX ) so i have a record. U.S. Bank set another form letter /no name -- to re-apply. I did but I could not get a copy of my application- for the record! 
This is costing me a record profit amount on my home. 
The last statement again was not received -- i called & got an amount due & mailed it in without a statement -- to avoid being late. 
Advisor said they should just re-open & set up a different credit card number Like to have this huge Real Estate profit to pay off debt to include this-balance -in buying something smaller.

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 2021-11-30
Company: EQUIFAX, INC.
State: GA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
BANK OF AMERICA CLOSED MY ACCOUNTS FOR NO REASON. I HAVE 100s of Bill pays set to my account, and it negatively affects my credit scorXXXX. Please reopen my accounts ending in XXXX and XXXX. See two letters attached. Please do follow up with 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 2023-03-17
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
Since XX/XX/XXXX, Comenity bank via Victoria Secret has been unable to take my payments due to a problem within their internal system. They have reported my account as delinquent XXXX XXXX XXXX and now XXXX. I call twice  a month to attempt to pay. I started recording the call XX/XX/XXXX. They refuse to stop reporting my account and refuse to provide me a letter stating the account is not delinquent as per requested by my home lender ( trying to buy a home ). My credit score has gone from XXXX to a XXXX. Comenity Bank refuses to assist me in making the corrections needed. They only tell me sorry we are unable to access your account please help. We have tried a mail in payment, a misposted payment, ach wire transfer, and debt card. All of which could not be processed due to Comenity Banks internal system. I have done everything they have asked with zero assistance or help in return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XX/XX/2021 I informed TransUnion in writing via certified XXXX mail that they're reporting unauthorized inquiries on my consumer report. As of XX/XX/2021, I have not received a response to this matter.

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 2021-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my 604 letter report that I filed as well for Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When I opened my account I was not offered Premier Banking. I believe opening an account with {$20000.00} or more they should of offered me premier banking. I served in the XXXX XXXX XXXX XXXX for 4 years and deposited all of my money with this institution then XXXX XXXX owned by Wells Fargo now operating as Wells Fargo. This Branch is located at XXXX XXXX XXXX XXXX XXXX Pennsylvania. I would like my FDIC insurance in full of {$250000.00}. This is impossible dealing with the bank. My Account with them either Checking or Savings I'm not sure it has been 16 years, has been hacked for over {$300000.00}. If anyone could please assist me in this matter I would greatly appreciate it. Thank You, to everyone at the CFPB and I will be retuning to XXXX in XX/XX/2019. I would like my money to be safe with this institution when I return. They have been very kind to my Father.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: NV
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 had this card for a awhile the XXXX card with XXXX XXXX since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. 
XXXX XXXX XXXX Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. 
Please confirm : do you carry a balance on this card every month? 
We'll tailor the advice below based on your answer. 

Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX See a mistake? 
She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.

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 2023-05-03
Company: ALLY FINANCIAL INC.
State: DC
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:
Ollo/Ally Acct ending XXXX. 
My account is currently and ALWAYS has been in Exceptional standing. I was NEVER late, I NEVER missed a payment, paid MORE than required and NEVER went over the limit. As a matter of fact, because I kept my account in such an OUTSTANDING status, I have received TWO AUTOMATIC credit limit increases in less that 1 year!

However, from the very beginning, you consistently, fraudulently reported this account to the Credit Reporting Agencies as having MISSED payments, NO payments, and being OVER THE LIMIT. You gave me an increase, did not report it to the CRA 's. When I disputed the incorrect balances & credit limit, you corrected it. Then 3 days later, you subtracted the increase on my credit report. Even after I REPEATEDLY disputed all false, inaccurate information, you CONTINUOUSLY and DISHONESTLY responded, saying your credit reporting was verified and ACCURATE. This is an act of FRAUD because you KNOWINGLY and INTENTIONALLY reported false, inaccurate information about me & my finances to all the major credit reporting agencies. You also withheld information, by refusing to report my payments. My score dropped DRASTICALLY, due to you FRAUDULENTLY reporting my account being OVER THE LIMIT 2 months in a row. When I applied for credit, I was denied, because this FALSE, INACCURATE information was seen by other companies. 
You have violated my consumer rights and broken so many consumer laws. To prove you violated me, Every single one of those FRAUDULENT, FALSE, INACCURATE reports and statuses were FINALLY REMOVED AND CORRECTED by you, on all the 4 major credit reporting agencies reports. I DESERVE to be compensated for these violations. This has been BEYOND stressful and EMBARRASSING!

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 2021-11-30
Company: EQUIFAX, INC.
State: NY
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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: CORELOGIC INC
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:
I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND 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 2022-11-01
Company: Westlake Services, LLC
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 had an account with Westlake Financial Services, a Company base out in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have made several dispute on false credit report on my account and some deleted or resolved and I was pleased with the out come. 
I noticed that my credit score which was XXXX has dropped suddenly from to XXXX upon checking my report on XXXX, I noticed that Westlake Financial Services has falsely reported that I made late payments in XXXX and XXXXXXXX XXXX XXXX  meanwhile this loan was paid off on XX/XX/XXXX with a check. When I disputed report, the company resolved the issues by correcting the deleting the on fair report. Even though the damaged was already done but I was satisfied. A week later, this same company again reported that I did not pay my XX/XX/2022 installment payment and my account was passed due for 72 days. This was again false information. For the particular dispute about late payment in XXXX XXXX XXXX, I disputed it 4 times through XXXX and spoke with Westlake Financial Services more than XXXX times and some of them assuring me that it will be corrected. I have explained to this company that, the report was hurting my plans to get a home for my family. The same month in XXXX, I paid toward my loan on XX/XX/2022 which is evidence in the statements you will find attached. I have made successful payments for more than 2 years without 30 days pass due. Yes, I was not paying on time but I made sure the payments were not 30 days pass due. 
I have the data and the record to support my claim. I called this company several times on XX/XX/2022 missing my classes for more than five hours to obtain information on how to file a complaint about the company and spoke with two managers and 6 regular employees and none was able to give me the information I needed. They hung up the phone pretending to transfer the calls.

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 2019-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
There were 2 Capital One credit cards opened under my name. One of them was resolved however I spoke to a XXXX at Corporate office ( XX/XX/2019 ) letting her know that the man who was initially taking care of this account was harassing me and that I no longer wanted this rep to take care of me. I was reassured that he was no longer dealing with my account ending in XXXX. I went to my office ( XX/XX/XXXX ) only to find a letter with his name on it stating that he found no fraud on the act and that the charges belonged to me. After opening the letter, I reached out to XXXX in Corporate office 3 times and as of today XX/XX/XXXX, I have not heard from her. I called another 800 number and was transferred to the man XXXX. I asked him how did he verify that the charges on the account were mine and he could not respond. At that time he proceeded to tell me that the act was still under investigation with someone in the escalations dept. I also asked him why I was receiving statements if the account was still under investigation? He also could not give me an answer. This has already negatively affected my credit one time. This needs to be handled by the Corporate office like I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Midland Credit management bought a debt from a XXXX  account I had. They have called me 4-6 times a day m-f and on some weekends the first time I picked up the phone the debt collector asked my why I fell behind and explained I had lost my job and have XXXX XXXX  and a wife to take care of. When he asked me to pay {$1400.00} in full today I said I couldnt. Then asked me to put money down and pay it off over the next 2 months. Which I replied that I couldnt afford it right now. He then proceeded to say What kind of father cant pay his bills Not a very good one which is when I stopped talking to them in XXXX of XXXX. One year later, after thousands of attempts to call me at all time of the day, I got a letter from a lawyer saying that they had seen that Midland Credit Management had filed a suit against me. So I called to attempt to settle the debt again. They proceeded to ask me to pay the full amount right now or the lawsuit will garnish my wages and get their money back. ( This was around XX/XX/XXXX ) I said I was hiring an attorney and we can settle in court at which point he told me those are just ambulance chaser of the debt collection world and the court would side with them. Now on XX/XX/XXXX they call me again threatening suit and that I should settle now at which point I stopped him and repeated that I already told them I was getting a lawyer. Which he responded Well legally you have to give me his name and number for us to stop calling and I said again stop calling me and hung up. After calling me a XXXX dad and calling my phone at all time even in the evenings right up to XXXX knowing I had small children to get to sleep Im fed up with their ignorant tactics of abuse and threatening me. I have paid off other creditors but at this point I dont want to pay them a dime after they have continually harassed me and from what I have found out tens of thousands of other people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting letters from Speed Cash regarding a debt I know nothing about. The past letter dated XX/XX/2022 says amount past due is {$1100.00}. They are also threatening to send this to a 3rd party collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX, FL Date Updated : XX/XX/2020

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