BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
F A C T-Experian does not allow me to add the TRUTH- Never late! Negative due to XXXX XXXX XXXX. ich was originally posted years ago and subsequently removed by them. Now I ask how can anyone believe what they claim? Yes even with their so called add additional information they do NOT allow it. WOW. We certainty know what they do by their works. In fact this is XXXX say one thing but actually deney comments due to their own perception even when the bank reports incorrectly as their report has been for years and is even now! Need I point out continually the wrong info?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: WELLS FARGO & COMPANY
State: MD
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:
Had a Wells Fargo Credit Card for several years always in good standing. 
My Credit Limit was XXXX and as stated an older account with XXXX balance. With no warning they closed my account. 
For several stupid reasons ... .everyone I talked too was different. 
This had an adverse affect on my credit score! 
I have found this to be common practice and needs to be addressed.

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 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus TransUnion, XXXX   and I visited XXXX still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on 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 explanation
Consumer complaint received 2017-08-05
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On   XXXX   XXXX  , 2017 I paid my collection to   XXXX   XXXX   XXXX   for a debt owed to   XXXX   XXXX   XXXX   in the amount of {$350.00}. In the last two months I have been recieving phone calls from Diversified Consultants from a North Carolina number ( each time a new number but always from NC ). I have informed them multiple times that I have already paid this debt to another agency. I even called the agency and  XXXX  and verfied that it was paid and the debt is no longer owed. Today (   XXXX   XXXX  , 2017 ) I recieved another phone call and the gentleman began to have an attitude/nasty with me when I informed them once again that I did not owe and I would not be paying them. I do not owe this debt and I would REALLY like to stop recieving phone calls early in the morning from them. They call me at least 4 out of 7 days in a week. Enough is enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2007 I sold a business that I co-owned, it was sold under legal contract, to the other co-owner. From that time the new owner had 30 days to remove me from all items related to that company. Unknown to me this never happened per the contract, as we were not speaking, due to the fact that I was assaulted by my business partner. Fast forward eight years and the new owner quite paying their bills. At that time, I was contacted for collection since my name was never removed from the sold business as it was suppose to be. A court case was opened and herd, in which I was found not liable for the items in question. This information was sent to all three credit reporting agencies, Experian and XXXX XXXX both removed these items from my report after reviewing the information, but Experian didn't. We feel this should be removed as I was found not liable in court. I have always worked very hard, to maintain an excellent credit score and through no fault of mine now its damaged. Please help to get this removed from the Experian 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 2021-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BMW Financial Services NA, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TransferWise Ltd
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX of XX/XX/2018, I tried to transfer XXXX USD to my brother. 
They did not transfer the money and they closed my account. 
Since then, I try to get my money refunded. 
They have not refunded my money back. 
There is no way to contact them, they do not give any information. 
This company is a fraud. 
I read a lot of reviews about them and they close people 's account and hold their money as long as they can and they use the money to make profit. 

There are a lot of people like me. 
You should stop this company to hurt the others like us. 

XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: GA
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:
I paid off a consent agreement to a company called XXXX. I paid off a XXXX balance in two years once I paid this account off it took me two months to get the account removed. Once the account was removed my credit SCORE dropped XXXX points!!!! ic There is no logic in that. 

This was done by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Select Management Resources, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX18 title loan taken out. person had XXXX XXXX and was under the influence of XXXX XXXX XXXX with no memory of this day! {$500.00} loan at 416 % with repayment of {$2600.00}!! How is this legal?? 
we went into XXXX XXXX to renegotiate terms and they didn't care! Said person was fine when they came in! well doctor and warnings on med bottle say otherwise!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: Southwest Credit Systems, L.P.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Southwest Credit Systems, LP Southwest Credit Systems, LP is reporting to XXXX Credit Bureau that I owe an invoice to A company named XXXX.I never any such company.This is hurting my credit worthiness. Southwest Credit Systems, LP refuses to remove this lie and holding my credit as ransom.I never made any such bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BARCLAYS BANK DELAWARE
State: MN
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:
I realize that I have not went to Barclays to resolve this issue. But there is a reason for not contacting them. It is a waste of time. I have had to contact Barclays in the past on a few issue and every time I simply get a copy and paste canned answer that doesn't even answer the question. I try to allow them to give better answers and to understand the issue but it doesn't help. It's a complete waste of time to use the secure message center. For that reason, and for my protection, it seems that using the CFPB get better results. 
I purchased XXXX XXXX Season tickets this year. I made payments and everything against my card. That part is all good. The XXXX XXXX gave me the option to opt out of my season tickets because of the virus. I exercised this option. The XXXX XXXX recently refunded my account by the same means that I made the payment ( i.e. Barclays ). Because I had been making payments, I now have a credit balance on my account. The refund was for the transactions made on XX/XX/2020 and XX/XX/2020. 

I simply want the money either deposited into the account that I use to make payments or a refund check sent to me. Now, I understand that I already redeemed the rewards that were associated with these transactions. For that reason I have a negitive rewards balance of XXXX ( or {$140.00} ). My account has a credit balance of XXXX. Barclays can reduce the money owed to me by the rewards amount of {$140.00} and refund me ( either deposit into my account or a refund check ) for the amount of {$2900.00} ( {$3000.00} - {$140.00} = {$2900.00} ). 

We are in times where money is critical to individuals to people because of the virus. I do not want my money sitting as a balance on my credit card when it can be put to critical uses during these trying times. 

This should be a simple issue to address and I've already laid out the solution.I wish that I didn't have to you this way to resolve issues with Barclays and that secure message center with the company actually worked how it should. But due to past interactions with the customer service, this is the best way to proceed for both parties. 

Thanks for understanding. 

Regards, 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 2021-02-12
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle Loan with Navy Federal Credit Union was charged off in XX/XX/2015 after repossessing the vehicle in XX/XX/2015. Navy Federal shut down all access to my account and I was a victim of their unfair debt collection practices. I was never contacted by Navy Federal Credit Union after they were found to have violated their customers rights. I have tried to contact them to alleviate the problem and I was treated terribly. I don't believe that this company has learned from its past mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My used XXXX XXXX XXXX was purchased with a bumper to bumper warranty from XXXX XXXX XXXX in XX/XX/XXXX or XXXX 2017. The first event was that the car had rear mirror stated on the purchase agreement that was not on it so they installed an after market camera on the car.Now the rear passenger side bumper is flapping loose so I called them when i got no real clearing of the problem took the car to XXXX XXXX XXXX in XXXX California a certified XXXX Dealer.When XXXX the service consultant looked at the car he showed me where the glue had worn off and 2 clams that hold the bumper were broken.He said the car would have to be sent to a body shop but contact the dealer that i bought it from.I called XXXX XXXX and they said bring it up for them to see. I called today and asked would the car be repaired today and they could not guarantee it would be.In fact tmight have to stay overnight.My round trip would be 1 hour up and 1 hour 15 min back ( 2 hours 20-30 min each trip.This did not involve any accident so it was not my fault but the dealers fault.To simplify they could have let a dealer close to my home fix it as the car is under warranty to help with the poor service and loss of time that I have suffered in this transaction. I called Wells Fargo Bank @ XXXX and they were going to call XXXX. My account number 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 2021-03-25
Company: Volvo Car Financial Services U.S., LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I leased a XXXX XXXX directly from Volvo which had a purchase option exercisable prior to the end of the lease. I notified Volvo that I intended to purchase the vehicle and asked that they credit my security deposit to the purchase price. They agreed to do this subject to the completion of a form requesting that the deposit be credited. I did everything that Volvo requested and we have followed up six times via their call center and via the messaging center on their website. Our issue at this point is that they never credited the security deposit, they missappropriated payments for purchase as lease payments even though the lease was paid in full, they have failed to issue us the title and finally they owe us in the vicinity of {$1000.00} which they have failed to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: United Shore Financial 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Didn't receive any notification from XXXX that I was behind on payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02
Company: U.S. BANCORP
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The lease on my XXXX XXXX XXXX was scheduled to end on XX/XX/2018. 

I turned in the car to the dealership on XX/XX/2018. 

My lease with US Bank is paid with an automatic monthly ACH, withdrawn on the XXXX of the month. 

On XX/XX/2018 I noticed that US Bank still showed my account to be scheduled for an auto payment on my lease in the standard amount of {$510.00}. 

On XX/XX/2018 I called US Bank to request that the payment be stopped. 

US Bank Customer Service Department and Lease Maturity Department informed me that it was too late to stop the ACH and the only way for the payment to not go through would be to set up a Stop Payment with my bank ( XXXX  ). They said if I didn't stop the payment and it went through, I could call back after it clears to request a refund. 

I called XXXX to request a stop payment. I was informed that the fee was {$35.00}, I had no interest in paying {$35.00} to fix the error on behalf of US Bank. 

On XX/XX/XXXX, the payment cleared ACH from XXXX to US Bank. 

On XX/XX/XXXX, I called US Bank to request the refund. I was informed by XXXX XXXX ( Manager, XXXX XXXX ) that the policy was to hold my money until after the inspection was completed and a final bill was generated. 

This is fraud. 

US Bank was unauthorized to take the {$510.00}. 

This was the 49th payment of a 48 month lease. I did not give my authorization nor consent to take a lease payment for a vehicle that I had turned in. 

US Bank was aware that the vehicle was no longer in my possession and had been turned in. 

Not only was US Bank aware that the vehicle had been returned, further, they were aware that it had been turned in on time and under mileage -- both noted by the paperwork submitted by the dealership and confirmed to be received by US Bank on XX/XX/XXXX ). 

Mr. XXXX stated in no uncertain terms that they were unwilling to refund this lease payment until after a period of 4-6 weeks when they had generated a final bill. They are unauthorized to be in receipt of these funds. Nor are they authorized to use these funds to pay any final bill that may be associated with the termination of my lease with them.

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 2020-08-24
Company: EQUIFAX, INC.
State: TN
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 recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
I added my number to the do not call registry months ago. This company, Recovery Portfolio Services, whom claim to be trying to collect a debt by a third party, call my phone every single day, even Saturday and Sunday. I have repeatedly expressed my desire to have my number removed from their call list and to not be harassed. I have tried to block the numbers myself, but they call from a different number every day. This has been going on for several months now. This is causing an undesirable effect on my mental health and I would like it to stop and for this company to be held accountable for this abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/20 XXXX  business CRED. has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2018-10-15
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
All credit cards or loans I have applied for have been denied due to fraud I used to live in XXXX and I moved to XXXX  in XXXX so they have denied me because they thought I still lived in XXXX. And I recently got a state Id.

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