BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I us really a service called  XXXX , and consistently every Friday I get paid and need to manage my deposits and cash  out Wells Fargo does n ot send updated information so that I can complete my transactions. The most recent date being  XXXX / XXXX / 17 , but can be traced back basically every other Friday going back a t least 8-10  weeks. I provided the  XXXX  service access to my account, but the bank consistently does not update information

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to r=the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXXBalance XXXX {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXX : {$0.00} XXXX / XXXX XXXXBalance : {$0.00} 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 2017-06-22
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called diversified consultants inc. ( DCI ) located in Florida regarding a debt collection from XXXX XXXX for {$470.00} and they informed me that I owed that money as my last bill statement. This account has been reported 4 times to 3 different collection agencies and it was successfully removed in the past. XXXX XXXX can not charge me for an item that they said I should not bother paying for since the receiver was free and at no charge to me. When I moved out or my old apartment in 2014 I left the equipment there and called them but the representative told me not to worry because I am not responsible to pay for the free equipment.
Now the new collection agency- DCI were there threatening to damage my credit with this report. DCI actually denied ever reporting it on my credit report, but that was completely false because it 's on my XXXX and XXXX report.
They just want to force me to pay {$470.00} and refused to remove the account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Sadly there was a returned payment on XX/XX/XXXX to my load provider West  Lake Financial. I was not notified via mail or phone. I was out of town working in MD. XX/XX/XXXX I come back and have a knock at our door at XXXX. A repo guy. He had the car hooked up. He asked for the keys and I emptied my car. In 2 hours we paid XXXX via XXXX as no other payment was good. We were told you couldn't pay on the spot. ( If I knew we had an issue before hand the cash was in the bank. ) So I called Westlake Financial to give them the XXXX confirmation number. Well, I was told I have to wait 24 to 48 business hours. I was told they only made 1 call to notify me and that they admitted they didn't leave a message. I was told that it was my problem and not theirs. 

I then called back later to ask if we could avoid having this on my credit report. The guy on this call was very rude and mocked me over the phone. He told me that should know how to pay my bills and that it was my fault and to deal with it as I was going to have that on my record and nobody will remove it. I have issues getting people on the phone to discuss these matters and I was told they do not allow customer to talk with the collections department that decides what is going on. In addition to paying the XXXX which included the processing fees, repo fees I logged into my West Lake Account and found they are trying to charge me another {$350.00} that was already paid. I had called XX/XX/XXXX around XXXX and asked why I was being charged 2x. They said they didnt get all the money and yet I had paid them via XXXX XXXX on XX/XX/XXXX. My account reflects they got the XXXX and shows no payments due but this repo fee. 
I want the repo removed as we were not notified and I was told that because my check didnt clear they had the immediate right to take possession of my vehicle since they made it 2 months behind. In addition, this was not my original lender. I was to have been with XXXX XXXX  ; however, after a month I was told our loans were moved to XXXX XXXX without any agreement or documents. I didnt agree to have this company as my lender and I didnt sign a loan agreement with them. There are numerous complaints on a site called XXXX XXXX. Why are they allowed to treat people this way. I am a single mom with an XXXX child and I can not afford the stress and all they had to do was communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
in accordance with the fair credit reporting act.XXXX account number.i dont see a account number on my credit report but i am pretty sure you can figure it out with my personal information.anyways my rights were violated 15 u s c 1681 section 602A have the right to privacy and 15 u s c 1681 section 604A section 2, it also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CAINE & WEINER COMPANY, 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:
inaccurate information put on my credit report i have sent over the police report that this is not my violation of hippa and cra

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Receivables Performance Management, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX XXXX, and in XXXX of XXXX I moved from XXXX, to XXXX, XXXX. Since the moment I moved into XXXX, my service with XXXX was bad and resulted in many missed, dropped and no calls either coming in to me or my attempting to make. I spend countless days and weeks attempting to resolve the problem with XXXX. I was finally in XXXX of XXXX advised that because no resolution could come with regards to my paying for telephone services I was neither making or receiving, I was advised that I was being let out of my contract. since XXXX I am continuously being sent collection notices, and I have spoken to countless supervisors and have been advised that I do not owe anything to XXXX and that my account is not stating any negative remarks and/or comments. On XXXX XXXX, XXXX, I have received yet another letter from a collection agency and I called XXXX again and was advised by an account representative that someone would look into this yet again. <P/>Please help.

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 2021-05-10
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank has started to close all my accounts during the COVID pandemic of XXXX without notification. They simply closed my accounts and sent me a letter AFTER the fact. Today XX/XX/XXXX I received three additional letters indicating that they closed my Lowes, Care Credit and XXXX XXXX credit cards after I specifically told them LAST year not to close Lowes or Care Credit because those were emergency credit cards. I have been paying monthly and ON TIME but their letters said I was INCAPABLE of paying my bills - XXXX - PREJUDICED - if I were WHITE this wouldn't be happening. HOW DARE THEY JUDGE ME. I am paying ALL MY BILLS and my business is BOOMING. They are also reporting that the cards were closed by them which FUTHER AFFECTS 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 2018-02-26
Company: Consumer Portfolio Services, Inc.
State: MO
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:
On XX/XX/2017, I did not authorize said company to run my credit for a car, please send me verifiable documents if the company insists I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX credit card payment was due in XX/XX/2019, and I thought I had set up an automatic payment because I was going to be on vacation. I did not have great Internet service up north, so once I returned a few days past my due date I realized the money wasn't taken out. I then paid off the balance on the card and thought that was it. In XXXX, I found out that I had {$99.00} in only late fees on the account. I have no idea how this happened, or how this is legal or ethical. I tried contacting the company through their email system and was told they couldn't help. The person who called me was rude and couldn't explain how I was assessed so many late fees on a paid off account. I then tried reaching out to XXXX on XXXX. They were very nice and said it would escalate to corporate, but I have yet to hear back. When logging into my account I see 1 fee was waived, however that just takes away the fee that was assessed while I was waiting. My account still shows {$100.00} in late fees. I have always paid my account, so to have a company not want to work with a customer on an unintentional oversight is beyond me. How can 5 late fee charges be assessed on a paid off account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: EQUIFAX, INC.
State: WA
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:
Started dispute with Equifax on XXXX/XXXX/2017, was received and updated to pending status same date on the website. Confirmation number is XXXX. Had an estimated date of completion XXXX/XXXX/2017. As of today, XXXX/XXXX/2017, it is still listed as pending. I am waiting to buy a house, and do n't see any other way of contacting them to get them to move on this other than submit a new dispute, which would then drag this out. As far as I am aware, if it has been 30 days and no response, they are supposed to remove the disputed credit information. Thank you for any help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
i have written many times to the creditors and called about the existing late delinquencies on my credit report, for several account such as (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ), i have sent many letter and disputed the delinquencies. even i have written to the credit agencies (  XXXX , transunion and  XXXX  ), but no action has been made. i need your help in this matter, please have creditors take out the late ( remov e ) fr om my credit reporting agencies.   i would greatly appreciate

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 2017-06-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
Midland Funding is incorrectly reporting that I owe them a total of {$4500.00} on my credit for two different accounts. <P/>The account number for the first account is " XXXX '' and the balance is {$2500.00}. The account number for the second account is " XXXX '' and the balance is {$2000.00}. <P/>I have never had any dealings or communication with this company so there is no reason for them to be reporting any unpaid debt on my credit report. <P/>Why did they not send a notice of my right to dispute these debts before they reported to my credit? I only found out they were on my report a couple of months ago and since then, I have been disputing these accounts for deletion. <P/>I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I did not make these charges. I thought it looked like my balance was low. I haven't bought anything so expensive. I didn't use hotels.com. I don't have fitness membership. I don't know XXXX XXXX. I have the card right now. I'm sorry I am taken aback by this. 

XX/XX/XXXX XXXX XXXX XXXX  Purchase - {$1000.00} XX/XX/XXXX XXXX XXXX LA XXXX - {$200.00} XX/XX/XXXX XXXX XXXX - {$1000.00} XX/XX/1924 XXXX XXXX XXXX  - {$110.00} I couldn't find anyway to contact them so I must complain like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021, a credit line was open on PayPal credit without my consent. I had no idea that it was open until XXXX XXXX when there was a purchase of {$86.00} was made. I did not make this purchase and would like to report fraudulent activity.

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 2017-06-22
Company: Pendrick Capital Partners Holding, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pendrick Capital keeps selling a so called medical debt to agencies and it keeps being added to my report. I have filed numerous complaints against the agencies who have purchased this debt and the account has been deleted. Pendrick has not once contacted me regarding this " debt '' yet they sell it and the agencies do n't even contact me! This debt is not valid and I want it completely removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection notice from XXXX XXXX in regards to a XXXX bill that was not owed due to no contract with XXXX or XXXX. Debt was disputed to XXXX XXXX and even though the consumer Financial Protection Bureau # XXXX. Debt was resolved and account was closed. XXXX XXXX later forwarded this debt to ANOTHER collection agency : CBE Group , inc. which they are now attempting to collect the debt not owen under CS # XXXX. This debt is not valid and in violation of the fair debt collection practices act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
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: Account status incorrect

Complaint:
i have written many times to the creditors and called about the existing late delinquencies on my credit report, for several account such as (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ), i have sent many letter and disputed the delinquencies. even i have written to the credit agencies ( experian,   XXXX   and   XXXX   ), but no action has been made. i need your help in this matter, please have creditors take out the late ( remov e ) fro m my credit reporting agencies.   i would greatly appreciate

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 2017-06-22
Company: Experian Information Solutions 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:
This is fraud, I never used or acknowledged any services from this company, I have written to have this fraudulent activity removed but I have been unsuccessful.

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 2017-06-22
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:
This is fraud, I never used acknowledged or submitted to any service with the stated company. I have contacted the credit bureaus to have this removed but was unsuccessful.

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 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Transunion has had my account frozen and... " In Dispute ''... for over 4 months. I can not even get a response. I am on hold till they obey the law.

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