BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-17
Company: Westlake Services, LLC
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I filed a complaint against XXXX, they called me and told me that they had pulled my credit report an were collecting for Westlake Financial ( complaint number XXXX ), who I do n't have a contract with or have n't herd from in almost a year. You wrote me back and said the company was getting together paperwork and would respond in 60 days. Yesterday, I got a letter from them with a contract for another company, and they are still trying to collection. I am continuing my dispute with them. I am using this way to contact you because Ica n't log in and the phone number in your email does n't work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX has agreed to remove XXXX unauthorized inquires from my Transunion report. I did not apply and have no credit with these people. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX my id is attached please verify my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CITIBANK, N.A.
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:
XXXX XXXX ( XXXX XXXX XXXX : XXXX Top 1 % ) Account : Citibank Costco Visa Card Credit Line : XXXX Account Status : Excellent - 4 years held paid balance off every month -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Citibank Closed our Account - again in good standing w/ all balances paid 100 % monthly. 

They claim a call center agent said we 'Refused a Term ' but no such exchange occurred nor can they document. We don't pay any credit card interest and would care about any term ( rate ) changes as we don't live our life 's paying any interest to any of our XXXX ( unused ) lines of credit. We know the Credit score game this is how we have a XXXX XXXX  score. 

Damages : This Closing of a XXXX line of credit for no cause, with zero documentation or even an excuse has caused our well managed Credit Score to drop by XXXX points. 

This big company can not harm or damage us for no cause. 

They may be big but we are smart and will be loud. If they are making up fraudulent reasons to harm good creditors like us ( we are blessed ) what on earth are they doing to lesser fortunate souls? 

I am starting here and need your assistance to pursue all courses of action. They are not too big to be accountable for their mistakes! 

XXXX and XXXX XXXX Email : 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 2022-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A check which was supposed to go to Oil company ( I mailed it on XXXX XXXX ) was stolen and forged. A person stole the check, changed everything ; date, amount, to whom, signature. Back of the check was not signed. The check was cashed on XXXX the XXXX. I noticed it when looked at my account on the online banking on XXXX the XXXX. I spoke to a bank person at Bank of America on the same day ( XX/XX/XXXX ). The bank put {$5000.00} back the day as temporarily solution ( XX/XX/XXXX ). I went to Police station to make a police report ( Police report # XXXX XXXX XXXX  XXXX XXXX and gave it to the bank ( XXXX the XXXX ). I have been talking to the bank people at investigation Department several times, but the bank has not return our money fully yet.

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 2022-07-16
Company: Harris & Harris, Ltd.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Harris and Harris has repeatedly called my home phone number XXXX on a regular basis. It took me a minute to figure out how to block the number on an old handset. They mustve called at least 3-5 times a week and left a robo message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I purchased what was advertised as a garden project book but turned out to be a book about bugs and the company enrolled me in a membership ( with a week free trial period ) without due notice ; I received an email confirmation of the enrollment and upcoming {$39.00} charge. I notified the company about the book not being as advertised. Then I called Chime same day at XXXX to dispute the charges as they were not what I purchased as well as block future charges from the merchant. I was bounced to 3 separate representatives. The last representative did not understand XXXX or did not LISTEN. I told him that I wanted to block the merchant so they can't charge me for a membership. I told him several times that the merchant will try to charge me in a week after the alleged free trial ends. He wouldn't listen and kept looking to History of my account for a charge of {$39.00}. I had to tell him several times that it would be a FUTURE charge by the same merchant from whom I bought the book. He still couldn't understand and kept saying he can't find the charge for {$39.00}. I finally asked for a supervisor who spoke XXXX. This employee hung up on me and refused to block a merchant or unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: MD
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:
Hi according to my recent credit report I have find several inaccuracies including wrong name and addresses which are not correct. also figured out some wrong employer name : XXXX  XXXX XXXX, self employed Enclosed please find proof of my residence address, please remove the address of as it is inaccurate and I am concerned that this inaccurate address may create an opportunity for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: EQUIFAX, INC.
State: TX
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:
I ORDERED AND PAID FOR AN EQUIFAX ACCOUNT AND I STILL AM NOT GIVEN A LOGIN TO VIEW MY CREDIT. I FAXED OVER THE INFO THEY NEEDED BUT AM STILL NOT ABLE TO ACCESS MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Submitted modification application in XXXX to my mortgage company Ditech. I have place numerous call and sent email to obtain my status and nothing. I received constant runaround all the while the clock is ticking and I am falling further behind with my payments. It seems as though the company is trying to reach foreclosure as they are certainly not trying to help me with this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company called Portfolio Recovery calls multiple times per day using a different number EVERY TIME. For the past 28 days they have called during business hours every single hour and if even called on the weekends. They have called up to XXXX XXXX. Central Standard Time and as early as XXXX XXXX Central Standard Time. They are trying to collect a debt that has been written off and not owed. Attached is half a days worth from today. Which is a Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have contacted Experian about the name variations on my credit report. My name is XXXX XXXX XXXX. I have only applied for credit under XXXX XXXX or XXXX XXXX XXXX. Experian is reporting the following names : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I want these errors removed off of my Experian 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 explanation
Consumer complaint received 2022-07-16
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022 I clicked a website offer to sign up for a XXXX XXXX American Express card. The offer included XXXX bonus XXXX if I charged {$2000.00} in the first two months I had the card. On XX/XX/2022, I had charged more than {$2000.00} on the card, but did not get the bonus. I contacted American Express through the chat feature of their App, and was told that they did see that I had activated the offer for XXXX miles, but that the offer was " rescinded '' during the application process, and I should have seen a pop up indicating the offer was rescinded. There was no such pop up, and at no time did AmEx communicate that the offer was rescinded until I contacted them. They indicated they would research it and get back to me in 7-10 business days. I never heard back. 
Unfortunately, the app does not allow you to save a transcript of the text, so I then called Customer service and spoke to " XXXX '' -- she confirmed the same information : that the offer was " rescinded '' during the application. I told her I was never told it was rescinded. She " opened a case '' for me and said I would hear back fr them in 6-8 weeks. I never got any response. It's now been 13 weeks, and no one from Amex has gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It seems America Express only approves me for cards with high annual fees. On XX/XX/2018 American Express Approved me for a Gold Card with a {$250.00} annual fee. I have the same exact credit with the same report. And when I tried to apply for an American Express Card with NO annual fees they decline me. Even though American Express approves me for a card on XX/XX/2018. My credit is even much better today than it was on XX/XX/2018. American Express is a fraud. And they are just trying to get me to pay for their annual fee. Even though they short me out of membership points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: MD
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:
Hi according to my recent credit report I have find several inaccuracies including wrong name and addresses which are not correct. also figured out some wrong employer name : XXXX  XXXX XXXX, self employed Enclosed please find proof of my residence address, please remove the address of as it is inaccurate and I am concerned that this inaccurate address may create an opportunity for identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
See your law suit against Greentree I have fell victim of this aweful company. they '' dual track " while i was going through a loan modication. greentree added thousands of dollars to my account knowing i could n't pay it thats why I requested loan modification application. I went from {$740.00} behind to {$8000.00} now i have to come up with {$9400.00} in order to get my home back, They stole my home. kick me and my grandson out on the streets last month. I have had this mortgage since ,XX/XX/1993. This is wrong and immoral. They lied to the judge to get this foreclosure through I have documents to prove it..I mail copies to your office last week please review. I have the right to defend my property against this evil company. My next step will be The media \ civil right activist to expose this company again .... Evicting a little boy that was born a preemie and now experiencing separation anxiety from losing his home ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: QUALITY ACCEPTANCE LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I was involved in a car accident XX/XX/XXXX and have been unable to make the payments on my car for the last two months, due to not having a means of transportation. I was released from my XXXX XXXX  last Tuesday and was involved in another car accident Thursday XX/XX/XXXX, to no fault of my own again. The other parties insurance company has already claimed liability for the vehicle, yet representatives in your XXXX XXXX offices are threatening my credit score of another negative hit of XXXXpoints if I don't make a payment on the car note. XXXX XXXX XXXX my car was repoed and my credit was impacted XXXXpoints. I had previously agreed with representatives that I would receive my direct deposit after the holidays and my car was still taken. I paid enormous fees, my vehicle was also damaged by your Repo company and they assumed zero liability for the damages, and I paid two months of past due notes. I was informed today that when my car is paid off that my credit score will not increase, but if I can't make a payment it will decrease substantially. There's absolutely no way your company helps EVERYONE 'S credit. $ XXXX in total to lose over 125pts total in credit score. Deplorable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
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: Information is missing that should be on the report

Complaint:
It seems that my credit score is predetermined. Whether I pay my bills on time, pay off old accounts or rebuild my credit. My score has not been what it should be according to similar credit patterns. I have not been treated, or dealt with fairly.

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 2018-12-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian investigation into XXXX  XXXX bank account. I paid This account in full and they have removed them from my other credit bureaus. Experian does not update the credit report with accuracy or investigates correctly.

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 2016-02-16
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My ex wife took out a modification on the original mortgage without my signature. Ditech Financial LLC. When I contacted them they told me my name should have been on it as well as other banks told me the same thing. I am remarried and live with my current wife at an apartment that we have lived for 6 years. I pay XXXX per month and I am trying to take out a mortgage but Ditech continues to report negatively to the credit bureaus as my ex wife does not pay her bills on time as they know that i do n't live nor see the bills that go to that home. The only reason i found out is by trying to get a mortgage and I saw the modification and have spoken with them and they have been horrible as far as sending me the proper paperwork. They know they made a mistake by doing the modification without my signature and it is holding be back from moving, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cosigned for my with my daughter for XXXX at XXXX Apartment. I was unaware that there was a outstanding debt for from the apartment after my daughter moved out. I immediately reached out to pay the debt and the apartment complex would not take my money since it was already sent to Pro Collect Inc. I reached out to Pro Collect Inc to pay the debt and the representative on the phone assured me 100 % this collection would not affect my credit since the collection would be fully removed from my credit file within 30-45 days after my payment cleared. That is not the case. I have reached out numerous times by mail to Pro Collect Inc as well as the credit bureau 's with no resolution. This is the last place I will reach out to before I seek legal council.

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 2017-07-12
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've recently got a debt removed from my XXXX credit report with XXXX XXXX due to identity theft. Now as of XXXX XXXX 2017 it has been added on under a different collections company name PINNACLE LLC/RESURGENT and the amount is {$1500.00}.

Company response to consumer: Closed with explanation