BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased a XXXX XXXX with XXXX XXXX. The pass was suppose to allow me to attend 3 races in XXXX. I used the pass to sign up for 3 races in XXXX in West Virginia. The XXXX XXXX company made the decision to cancel all their XXXX events as of XXXX. 

I have asked XXXX to refund me and they refuse to, saying they have a No Refund Policy. That policy makes sense if " I '' were to cancel or not able to attend, but they are canceling, thus no offering the service i paid for. 

After no resolution with them, I asked Wells Fargo to assist me with a dispute for Not Receiving the Service. Based on how quickly they closed the case, they didn't even seem to try to help me.

I do not understand how I am suppose to settle for " credit '' for XXXX, even though there is no guarantee that events will be allowed.

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 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX This is the complaint on file. I have been on the phone with XXXX today as I have received 3 emails from " XXXX '' that did not come from XXXX according to the person on the phone. I have also not received the label to send back the microphone that was sent to me through fraudulent Identity theft. I am attaching the 3 emails from today XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Sequoia Financial Services
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 paid one of my medical bills with the amount of {$160.00} on XX/XX/2018. The account shows as a collection reported XX/XX/2018 with a balance of {$0.00} and the status is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company and asked them to cease and desist collection because the account doesn't belong to me. They removed from my credit profile, waited a few months and then started back reporting. I have a letter stating they would remove it. I am filing a complaint to get them to have them cease and desist and sent back to creditor to find out who account it really is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
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:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report This is to add some information about experian, and XXXX  credit reporting agencies After speaking with a rep at Experian they said the account was opened by 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 2018-09-18
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: Account information incorrect

Complaint:
on XX/XX/XXXX, XXXX XXXX credit card agreed to remove the late payments from XX/XX/XXXX-XX/XX/XXXX. However, im unable to submit a dispute via experian website, claiming i disputed this item in the past. It doesnt matter what was disputed. I can submit a dispute every XXXX days if i wanted to, by law, until incorrect information is removed 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 2019-11-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
The actions of XXXX XXXX has damaged my credit and allowed XXXX XXXX to try and escape further litigation for defective products.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Social Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Loan origination date : XX/XX/XXXX Amount : {$28000.00} Last on-time payment : XX/XX/XXXX I had a flawless record of payments with SOFI until the XXXX payment was due. I am not working because my employer has cutback drastically during the covid19 pandemic. So I am unable to make payments after XX/XX/XXXX. 

I have spoken to SOFI customer assistance, hardship department, and collection department many times since I missed the XXXX payment, but to no avail. They will not extend my forbearance or renegotiate my payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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: Information belongs to someone else

Complaint:
I was laid off of work about two months ago so I applied for a small loan with XXXX and unfortunately I was not approved because there are several accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit history before today XX/XX/20 because none of those accounts are mine. I didn't open any of those accounts nor do I have any written/verbal contract with any of those companies. I did not benefit anything at all from these accounts that were opened in my name without my permission and I did not contribute to any purchases or payments made towards these accounts. I don't know who could have got a hold of my personal information to open these accounts in my name without my permission but I already filed a police report in hopes of getting this resolved.

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 2019-11-13
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: Old information reappears or never goes away

Complaint:
I am writing about a XXXX XXXX that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's. 

The main issue is it says account closed by credit granter. I always paid them on time and this whole thing was a misunderstanding. When they tried to call me I never got the call. I was a good client for years and as there supervisors told me they understood why I would feel the way I do and would remove entire thing from file. They have yet to do so. 

I have good credit and don't want a misunderstanding on my credit report. I would hope citi honors what there supervisors had said. I have spoken to them several times.

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 2019-06-04
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a case about a transaction on Consumer protection Financial Bureau, the bank takes retaliation and closed my bank account. 

I opened a case in cfpb and the bank has retaliated by opening a case with cfpb closing the checking bank account. 

I opened a claim on a transaction of {$5300.00} the bank has not resolved the case has not sent me a letter. I want the bank to send me a letter about how they proceeded with the claim and what documents the merchant sent them. And to what is the determination. 

Case Number : XXXX Account Number with Banco Popular : 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 2020-05-21
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF ED/XXXX  XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL 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 2018-02-06
Company: TRANSUNION INTERMEDIATE 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 don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies XXXX, TransUnion and XXXX are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.

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 2018-09-18
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My loan is not amortizing according to the schedule provided. I talked to XXXX  about this and a rep told me they first apply payments to the interest on the entire loan prior to paying down principal. 

I recently made a {$1500.00} principal paydown and according to the amortization schedule my balance should be {$1600.00}. Instead it is {$2200.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX XXXX  XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2018-02-06
Company: McCalla Raymer Leibert Pierce, LLC
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, XXXX from XXXX XXXX XXXX ( XXXX XXXX, NV ) called me regarding information regarding my mother stating there was a legal file to review ( I have the voicemail saved ). 
XXXX XXXX XXXX ( XXXX XXXX, NV ) Asked me to call XXXX I returned the call and XXXX answered the phone and shared my mother 's full name, address, date of birth with me before asking if she was speaking to the correct person. Further identifying that there was legal documentation/courier that was sending information regarding a civil suit. They then asked me to verify her social security number over the phone. I refused. She notified me that documentation would be mailed to the address she had confirmed earlier. 

I later found out that XXXX XXXX XXXX did the same thing and called my sister. They harassed my sister who lives in another city regarding this practice as well. XXXX XXXX XXXX began to harass me and my sister, on an alleged debt from XX/XX/XXXX or before that they believed occurred by my mother. 

This course of action inspired my mother to call this agency and after threats made to her about an alleged secured debt that incurred in early XX/XX/XXXX. To find out more information regarding this alleged debt, they tricked her into what she believes would restart the statute of limitations. 

These actions are completely ridiculous and should be actionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The call comes in as Fifth Third Bank. After receiving a zillion calls from XXXX, I blocked the calls and turned them in to the DoNotCall registry. They are coming in early morning, late night and even on Saturday and Sunday. So I finally called the number on XX/XX/2019. The first thing they do is ask for personal information. I told them I don't have or have never had an account with Fifth Third. They continue to try and get my social security number and I refuse. If I even had the debt, they should have that information. I received no more calls on XX/XX/XXXX after asking them to remove my number from their data base and to not call me anymore. Today, XX/XX/2019, they are calling again but with a different number, XXXX ( XXXX XXXX and XXXX XXXX )!!!!! 

This is annoying to say the least. They don't bother to leave a message. Just calls and hang-ups.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. Also send me all payment that was made on this account from when the account was open up until the account went past due As XXXX! per the law seized in desist all collection activities including credit reporting agencys Please comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Shellpoint Partners, 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: Their investigation did not fix an error on your report

Complaint:
NewRez ( aka ShellPoint ) purchased my mortgage from XXXX in XX/XX/2019. In XX/XX/2019 and upon learning of the sale of the mortgage to NewRez, my CPA, XXXX XXXX, set up an auto payment over the telephone with ShellPoint. ( The exact nature of the relationship of these two entities is unknown. However, NewRez purchased the loan, but does not accept calls from borrowers. XXXX customer service accepts the calls and the payments. It is very confusing. ) On XX/XX/XXXX, we learned from the credit reporting agencies that the auto payments were not set up by ShellPoint and the XXXX and XXXX payments had not been made. We received no notifications from ShellPoint/NewRez that the payments were due and unpaid. 

Payment for XXXX, XXXX and XXXX was made on XX/XX/XXXX. An auto payment was successfully set up over the phone with ShellPoint. 

ShellPoint has reported that the XXXX mortgage payment was 60 days past due. While I dispute any past due because the auto payment was established and sufficient funds were in the account, the XXXX payment was paid XX/XX/XXXX accounting to ShellPoint and was not past due even by ShellPoints records. 

I sent this information to the 3 credit reporting agencies. XXXX has already responded that ShellPoint " verified '' the information in the report. However, this is impossible. I sent the payment history from ShellPoint showing the receipt of the XXXX payment on XX/XX/XXXX only 35 days after XX/XX/XXXX, a far cry from 60 days. 

ShellPoint 's " verification of the information and XXXX XXXX decision to continue to report the XXXX payment as 60 days late is a willful misrepresentation.

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 2019-06-04
Company: VIRTUOSO SOURCING GROUP, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a complaint against Virtuoso Sourcing Group, this company is constantly calling, has not proven that they have a right to collect on the debt, will not tell me who they represent, i have asked them to send a letter, I want them to stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, 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 belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.

2. XXXX XXXX DEALER SVC with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation