BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-10
Company: Opportunity Financial, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My payments stop coming out as agreed by ACH debit on my account for no reason in accordance to their agreement. I never canceled or directed my institution to stop allowing the agreed ACH debits from my account which were to automatically withdrawn on my pay days of the XX/XX/XXXX and XX/XX/XXXX. I spoke to a rep who said there may have been a system error due to updates, etc. Payments continued and Then all of a sudden I have fraud on my XXXX XXXX XXXX account. Issue was resolved and payments were suppose to continue with my XXXX XXXX account due to previous issue of payments not coming out as agreed in accordance with the agreement. Auto payment was selected so you don't have to worry about the payments being made and it was encouraged that if you can make more payments it can pay down your principle faster according to XXXX XXXX. As I free up a little cash I assumed when I log in to make a payment it's just an extra payment being made. I made a couple payments recently with my debit card. I have had several issues with XXXX XXXX correctly taking my payments and I am met with attitude and unprofessional reps. Recently I get notified by XXXX that my account with XXXX XXXX is Delinquent 30/60/90 days. I have gave the rep my XXXX XXXX information back in XXXX. I never received a call, voice mail, email, or US Mail correspondence that I was past due let alone going into delinquent status. The last email received was in XXXX! Every account on my credit report has been in good standing for years without 1 late pay and this inaccurate reporting of my account dropped my credit score 60 points. I did everything I was suppose to do under the FCRA, yet XXXX XXXX never notified me or gave me a chance to rectify any issue. I can not fix or put attention to nothing I haven't been made aware of.

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 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
TransUnion has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {$240.00}. This account has been removed from all of my credit reports multiple times, but is put back on when TransUnion attempts to sell me one of their monitoring products that I decline to purchase. 

Even though XXXX XXXX has acknowledged this account to be fraudulent and closed the account TransUnion refuses to remove it from my 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 2019-07-22
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I finalized the loan online and then called them and verified my account and now when I call and I give them all my information, their response is that they cant find my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: MRS BPO, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have called XXXX multiple times throughout this process, then disputed with not one but two collection agencies, XXXX and MRS , so far after months of attempting to resolve this dispute they have just changed hands with who I am dealing with in an attempt to force me  into paying this debt that they are responsible for. 

My phone was stolen on XXXX XXXX XXXX XXXX this year. On XXXX second I had reported my phone as stolen to XXXX on my account online, then received an email on XX/XX/XXXX about high usage on my account. I called XXXX immediately upon receiving this email, and l I told the operator that my phone was stolen as I had marked online ( as viewable from the text proof from XXXX that I had them send me later for a stolen phone insurance claim ) and told them to pause the account, and that I would be moving that number over to Visible. He told me that there would be no issue with that and I would not have to worry about future charges and that the current charges would be marked as fraudulent and set to {$0.00} for me. Proceeding from there more charges occurred with a foreign contact in XXXX during which after each warning email I received I called XXXX and told them these were again fraudulent and to confirm that I would not be responsible for the charges since they continued to grow. From this point forward I was told varying information each time. After the final dispute, I told them that they should send the charges to dispute as they were not me and I had been transparent and honest with each representative. the appropriate phone/service balance with XXXX has been paid off as has the last account/contract charge. The only charge left is the international fraudulent charges. I do not have any specific names of the three representatives I spoke with, just that the contacts started on XX/XX/XXXX, but that I had marked my phone as stolen on XX/XX/XXXX as is verified by the XXXX text message I received after trying to look into my trail of communication. 

The real issue which I would like the CFCB to look into is that I have sent this information to XXXX, XXXX, and MRS BPO, all three of which asked for the info and for me to call, then have proceeded to move the debt to another company for me to deal with. I am currently in the process of trying to get a mortgage and this has significantly impacted my ability to do so. This debt should be removed and if further action is needed against XXXX/MRS BPO about harassment of customers I would be willing to testify and take this to court as there needs to be clearer protection from this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: EdFinancial Services
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Contacted for refund on payments made after XX/XX/2020. Was told to wait 5 months to process, seems way too long. Want to apply for forgiveness and want refund processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After noticing some missing and inaccurate data on my credit file. I faxed in an investigation request on several occasions. This is the attempts I made XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX and I mailed on XX/XX/XXXX. I got no response to any of them. I will attach the latest letter on XX/XX/XXXX since I have gotten no response and the failure to investigate the accounts should be removed or updated.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/2022, I submitted to the Transunion my XXXX words statement to be included in its report and to send the included statement report to all those entities during the past XXXX XXXX 
On XX/XX/2022, I received Transunion letter dated XX/XX/2022 bearing its file number XXXX. Transunion failed to include my XXXX words statement. I waited until XX/XX/2022 to see if it included my XXXX words statement. It did not. 
Transunion had more than adequate time to include my XXXX words statement. Despite the proof I submitted, it continued to ignore the proof.

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 2022-09-16
Company: Experian Information Solutions Inc.
State: MO
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 the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2022-01-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Wells Fargo was attempted to collect a auto debt that originated from my social security card in a consumer credit transaction with XXXX XXXX XXXX. XX/XX/XXXX I sent Wells Fargo Auto a cease and desist, Affidavit of truth and a invoice for civil remedy. Since then Wells Fargo auto has continued to communicate with via an invalidated debt on my consumer report. My affidavit that I sent to them on XX/XX/XXXX went unrebutted for more than 30 days. 

On XX/XX/XXXX Wells Fargo Auto contracted XXXX XXXX XXXX to illegally reposes my XXXX XXXX XXXX even though they have not rebutted my affidavit and I do not owe them anything. I contacted XXXX XXXX XXXX and told them I have a cease and desist against Wells Fargo Auto and my vehicle was illegally repossessed, I demanded they return my stolen property and they said they acted on orders from Wells Fargo Auto and the only way they could release the vehicle to me is with consent of Wells Fargo Auto. 

Wells Fargo Auto executive department has since not returned my calls and they have not given me any information to retrieve my stolen property.

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 2019-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had become XXXX XXXX  and sick with XXXX. I XXXX and couldn't tell what was real and what was fake. I soon lost my job and went XXXX and lived in the XXXX   and I use all my credit cards to survive. I was XXXX  and XXXX  for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX.

this debt is from when I was sick.

please remove for I can start fresh

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
two credit card companies have the wrong info and reporting credit against me. i have tried to have them correct the problem. sent certified letters asking for the social security number to be corrected and nothing happens

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Mortgage satisfaction Regions Bank On XX/XX/XXXX I started a mortgage refinance application with XXXX XXXX, my existing mortgagor. I had a second mortgage at Regions Bank that I decided to pay off rather than to pursue a subordination agreement. 
On XXXX XXXX, XXXX, I sent a cashier 's check by XXXX  overnight to Regions for the payoff amount of {$51000.00} and the check cleared XXXX on XX/XX/XXXX. 

Here we are, two months later and XXXX has still been unable to get the necessary satisfaction of mortgage in order to proceed with the new refinance mortgage. Obviously the interest rate lock has expired.

While I recognize the problems caused by Covid-19, this is not tolerable. 
Regions should not be allowed to be originating new loans until it gets its back office in order. 
I just received this email from XXXX I wanted to follow up with you again as we have been pestering Regions for weeks now and they still have not sent over anything regarding the satisfaction of your HELOC. 

They state that it takes 7 -10 days and all communication is through snail mail, but at this point, Im worried that we are well beyond that and we still have no response from them. 

Is there any way you can reach out to them to press them to return the documents to us that we requested? 



Thank you for your assistance.

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 2019-06-06
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan was started on XX/XX/2019. For the amount of {$820.00} and I have been paying back {$540.00} every month since. My Bank cant stop payment and my account has to be in the black in order to close my account. The payment amount is scheduled to come out on the XX/XX/XXXXof each month but but thy have been requesting it to be deducted 2 or more days ahead. But the time all things are done im in the red and insufficient fees of {$35.00} are placed on other deductions. So by the end of the firs week of new month i am in the red By $ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
XXXX XXXX ACCOUNT, THIS ACCOUNT IS A FRAUDULENT ACCOUNT, I HAVE SENT EVERY SINGLE DOCUMENT THEY HAVE REQUESTED, INCLUDING NOTARIZED DOCUMENTS. NOT REALLY SURE WHAT ELSE I CAN SEND THEM, I DON'T UNDERSTAND WHU I AM BEING DISCRIMINATED. EVERYTIME I CALL THEM THEY ASK ME TO SEND DOCUMENTS, I SEND THE DOCUMENTS BUT I NEVER RECEIVE ANY RESPND FROM THEM AS FAR AS THE DOCUMENTS THEY HAVE RECEIVED IS CORRECT OR IF ITS MISSING SOMETHING, OR THEY NEED SOMETHING ADDITIONAL SO WHY THEY CANT REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX sold my debit to XXXX XXXX XXXX in 2019 and the account was closed. I made all the settlement payments with XXXX XXXX XXXX with my checking account. The company withdrew double the amount I was told. After completing my payment after 12 month. Non of my payments was reported. Im additional to that XXXX XXXX got the debit back and put it back on my credit report. I attached payments that was made to the collection Agency XXXX XXXX. This debit should not be in my report. The company withdrew more than was discussed my monthly payment agreed upon was XXXX they charge me additional XXXX for 6-8 months without my consent.

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 2019-07-22
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: Their investigation did not fix an error on your report

Complaint:
XXXX failed to send me verification of a collection agency according to section 609 of the FDCPA. I want them to obey the law and remove the item ( XXXX XXXX XXXX ). 

According to Disclosures to consumers [ 15 U.S.C. 1681g XXXX is in violation of said section. 

If they can't produce any/all evidence of collection agency, they must remove it from my file.

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 2019-07-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My suitcase, wallet, and passport was stolen a couple years ago from my hotel room which resulted in my becoming a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Sunday XX/XX/2021. I did not apply for a card. Please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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: Personal information incorrect

Complaint:
Incorrect information 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 non-monetary relief
Consumer complaint received 2021-08-17
Company: BANK OF THE WEST
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:
We bought a motorhome from a private party on XX/XX/XXXX. The purchase was financed with a loan from Bank of the West. We have paid out installment regularly and timely as it comes due every month, since XX/XX/XXXX we have been in contact over the phone with Bank of the West customer service/ title department asking them to send us the title for the RV instating we, along with the Bank XXXX lien XXXX are the owners so we can renew the registration of the vehicle with the XXXX. We were told in XX/XX/XXXX by the bank that the proper department ( title department ) was working on the transferring of the ownership with the XXXX and that they would renew the registration, but we had to wait. In XX/XX/XXXX the registration for the vehicle expired and we were told by the XXXX the bank had not processed the transfer. 
We have been contacting them weekly by phone as we were not offered any other means to communicate with them, to no avail. In XX/XX/XXXX we were told they couldn't process the paperwork we need to send the smog check certificate. We promptly sent it in. They alleged not to have received it even though we sent it by fax and have the receipt. We resend it. One week later we were told we need it to send a check in the amount of {$1100.00} for the registration, the check we sent was cashed on XX/XX/XXXX, still up to today they have not processed the title. 
The license has been expired since XX/XX/XXXX, the RV sits in our garage, and to this date the only document proving the RV is ours is the Bill of Sale. 
No word from the bank in the last 10 days even though a Bank supervisor is trying to help us solve the problem. 
We are at wits ' end, not knowing what to do.

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 2023-06-19
Company: Bread Financial Holdings, 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:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with non-monetary relief