BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX, I attempted to access my Experian credit report at experian.com, as I was denied credit due to a false negative item on my credit report. After entering my personal information to access my credit report, I received the error message " We are unable to honor your request. If you entered your credit card information, we did not charge you ''. I had also received the same message several times in the previous year. 
On XX/XX/XXXX, I was able to speak with a representative after several failed attempts to do so. The representative did not have a solution the error problem, but signed me up for an Experian membership which would allow me to access my credit report. Unfortunately, it did not allow me to have full access to my credit report, so I had the representative send a copy to me via US Mail. 
The credit report was delivered today, XX/XX/XXXX. I found the incorrect negative information on the credit report and went back to experian.com to file a dispute. I entered all of my information into the online dispute form, including the Experian issued report number the instructions said were needed to file a dispute.I clicked the submit button only to get a response of the same error I have gotten for the last year : " We are unable to honor your request. If you entered your credit card information, we did not charge you ''. 
It is extremely unfair that Experian has control of individual 's credit histories when their systems are not allowing access to a person 's own credit records, or access to a customer service representative, either online or by telephone without excessive difficulty. My good credit history is being damaged due to incorrect credit information held by Experian, which I am unable to access or correct due to their failures and I need assistance resolving the issue.

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 2023-04-10
Company: Alorica Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
At the beginning of the year XXXX, a credit builder loan I had taken out with XXXX was sold off to SST ( Systems and Services Technologies , Inc ). My experience was them as been nothing but negative, but tolerable until recently. I contacted XXXX on XX/XX/XXXX to advise that my pay schedule from work was being changed. Because XXXX/SST set up my payments to be taken on my pay schedule I requested that they change my due date to align with my pay schedule. I called again on XX/XX/XXXX, and again on XX/XX/XXXX to ensure that this change was made. On XX/XX/XXXX, I started receiving numerous phone calls where the caller wouldn't say anything but when I called back, the number went to SST. I then received an email stating that I missed my payment due XX/XX/XXXX and I would be reported negatively to the credit bureaus. I called then twice on XX/XX/XXXX and spoke to two separate people who told me my due date could not be changed but once I made my payment on the XXXX, I would be ahead of schedule. I insisted on speaking to a supervisor and they refused to connect me. I feel like this is a scam-like organization who profits off fees and interest. I've spoken to them several times and was never told my due date could not be changed. I never agreed to have my loan sold off to a 3rd party, I was never delinquent with XXXX to have my loan charged off to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 XXXX I paid off a motorcycle with XXXX XXXX a third party agency for Capital 1. The information has yet to reflect on my credit report as closed and paid in full and the title still has a lien. Items that XXXX XXXX said they would take care of with Capital 1. Now over 45 days have passed and I can not connect with anyone for a resolution. This is now preventing me from closing on my new home. Per the information below I am requesting a resolution as balance paid in full on my credit report and the title cleared just as XXXX  promonised. Capital 1 XXXX XXXX Department : Please note that my is name is XXXX XXXX and this is in reference to account number # XXXX for my XXXXXXXX XXXX XXXX XXXX # XXXX  There have been a variety of issues with this account beginning with appropriate information on auto drafts not being deduction never been mailed, lack of notification of past due balance, and there was never an attempt to require the motorcycle. It only became apparent to me when a credit report was run two years ago for a home loan. When I became aware I began making payments to XXXX XXXX and XXXX XXXX XXXX XXXX, under account # XXXX. Since XXXX of XXXX I attempted to get into contact with someone at XXXX XXXX to pay off the balance on this account. It took over three months to get in touch with someone there after I was given the run around day after day. On XXXX XXXX per the arrangement made with XXXX XXXX I paid off the vehicle for {$1700.00}. I was provided the attached letter as proof of payment. I was also advised that Capital 1 would be notified, the title would be cleared, and my credit report would update to show a zero balance paid in full. On XXXX/XXXX/XXXX I attempted to obtain an updated title as I am selling the motorcycle. I was advised that there was still a lien on it from Capital 1. On XXXX/XXXX/XXXX I was notified by my mortgage specialist that they are unable to move forward with the closing on my home as my credit report still reflects a past due balance owed in collections to Capital 1. I am very frustrated as this entire situation has been a nightmare. I have attempted to get into contact with XXXX XXXX and have been repeatedly sent voicemails. A receptionist there advised me it was not their issue that it was now that of Capital 1. This is holding up my cash on hand for my home as well as my closing and it is unacceptable. I expect this issue to be escalated and resolved ; the title should be cleared and the item should reflect paid in full on my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with The Fair Credit Reporting Agency Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Dear CONSUMER FINANCE I've been a valuable customer with Wells Fargo since 2012 but since I've opened a account I'm being charged a XXXX dollar fee every month for the past years I feel like I'm not being treated 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 monetary relief
Consumer complaint received 2017-08-14
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Last XXXX, XXXX, I talked to Navient about lowering my monthly payment because I could n't afford the {$280.00} a month they wanted me to pay. They could only lower it to about {$230.00}, which was still too steep for me. My thought was to give them XXXX XXXX dollars a month but even then I knew that they would be able to sue me so I contacted a lawyer. I had two loans taken out with Navient. I received paperwork from them regarding both accounts and even litigation notices, which I turned over to my lawyer, XXXX XXXX. In XXXX of XXXX, they had come to an agreement to have me pay Navient 's attorneys {$150.00} a month until the loan was paid off. The amount of the loan total is {$4200.00}. What I did n't realize at the time was that this amount only covered one of my loans, not both of them. I never received any other paperwork from them about the other loan and did n't think anything of it. On XXXX XXXX I was served paperwork from the court of common pleas for the other loan in the amount of {$20000.00}. I immediately contacted my lawyer and faxed him the paperwork ; I did not hear from him for several weeks so I finally contacted him on XXXX XXXX to see what was going on. He told me that this was a new complaint all together and that I only had until XXXX XXXX to make a decision. I was curious as to why he did n't let me know before hand about this and why I had to contact him. They managed to get me an extension until XXXX XXXX, but either way I do not have the money for them. I can barely afford to give them {$150.00} a month. Plus I 'm curious as to why both loans were n't taken care of at the same time and why I did n't receive any paperwork about the other loan, just a court summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For years now, Ive disputed the account of XXXX XXXX that were placed on my credit reports by Portfolio Recovery. Ive even sent an Affidavit of Truth and was largely ignored. 

Neither, did the company contact the CRAs and informed them that I was disputing the debt and/or proof of the alleged debt, which caused distress and my credit to be affected. 

The most recent communication with Portfolio was on XX/XX/2023, in which I sent an email reiterating that the account doesnt belong to me and was largely ignored. Yet, the account remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing paid my property taxes late. I received a notice from XXXX XXXX XXXX requesting a balance due of {$50.00}. I called on the balance due notice on XX/XX/2022 and was told that from the XXXX XXXX XXXX that my property taxes were due on XX/XX/2022 and they did not receive payment from my loan servicing company until XX/XX/2022. I called loan servicing company on XX/XX/2022 and they told me they would research for a resolution. They did not pay the late penalty and interest so when we sold our property the title company withheld {$84.00} to pay XXXX XXXX XXXX. 

I want a refund issued to me from my loan servicing company in the amount of {$84.00} immediately as I did not pay this bill late so I shall not be held responsible. 

Specialized Loan Servicing had just taken over my loan servicing on or around XX/XX/2022 from XXXX XXXX XXXX  never have I had such terrible loan servicing from a lender. 

I just contacted XXXX XXXX XXXX again today XX/XX/2022 and was told that they received the late penalty and interest from XXXX XXXX XXXX and posted the payment on XX/XX/2022 and we closed on the sale of this property on XX/XX/2022 in the amount of {$84.00}. 

Specialized Loan Servicing is saying they are not responsible for refunding me my money because I already paid of my loan and it was not their fault that they paid with my escrow account my property taxes late.

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 2022-08-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
It has been improperly reported that our account with XXXX XXXX  was included in a bankruptcy. We did have a bankruptcy that was XXXX in XX/XX/XXXX but we were able to keep our house. The address was XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. We sold this house in XX/XX/XXXX. We are now trying to purchase another house and we are running into problems because Our credit reports are stating that the property at XXXX XXXX was included in a bankruptcy and it was not. The loan was paid in full when the property transferred in XX/XX/XXXX when we sold it. We never missed one payment on this account.

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 2022-08-24
Company: EQUIFAX, INC.
State: KS
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 currently in the XXXX XXXX. While XXXX XXXX my information was compromised. Because I was in another country, it was difficult sending dispute request via online. When I got back stateside, I submitted all my information letting them know that several accounts were the result of ID theft. They did not fix the errors. I hope that contacting your agency will finally help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir/Madam, I have saving and checking accounts in Wells Fargo since XX/XX/XXXX. I have transferred over 600 k usd from overseas to make investment in the US.
I have visited XXXX NJ branche many times and made some banking operations. Last one was in XXXX XXXX  2017, XXXX, New Jersey. I explained branch officers that I live out of the USA and I sometimes need to make international wire transfer from my Wells Fargo Accounts to my personal accounts in banks like XXXX in the XXXX or XXXX ind XXXX. They said I am free to make transfers.
Now I live in XXXX, I cant make wire transfer to my XXXX XXXX of XXXX account. I tried every single option of on-line services, but somehow the system has stopped me and gave try it later message. I called WF customer service here from XXXX but the agent said me unless I visit one of branches physically they ca n't allow to move money. Wells Fargo does not help me, and they do not care about me. I am here with limited money. I have to use Wells Fargo debit card, they frequently charge international purchase transaction fee for each transaction. Moreover, they are converting currency lower the rates.
I attached XXXX 2017 Online Statement for your review.
I want to begin a complaint process about Wells Fargo regarding their attitude to me.
Wells Fargo Branch : XXXX XXXX XXXX, XXXX, NJ, XXXX Everyday Checking 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 non-monetary relief
Consumer complaint received 2017-08-14
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: Investigation took more than 30 days

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX. Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the federal reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions under 15 USC 1666 be a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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 belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} 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 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 explanation
Consumer complaint received 2017-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
This reason I am filing this complaint is to request an investigation into Bank of America mortgage company reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage company are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency occurred in the month of XX/XX/XXXX. I am requesting that Bank of America correct the fraudulent information being reported to all credit bureaus into my credit file ASAP.

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 2022-08-24
Company: Upgrade, Inc.
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:
I opened a credit card in XXXX of XXXX with Upgrade Inc. I used that card to put a {$450.00} deposit down to rent a car in XXXX. I returned the car in perfect condition and have pictures to prove it. The car rental company scammed me and said I caused {$1100.00} worth of damages to the windshield and front right tire. I got into a big argument with the rental company and they charged my card {$1100.00} dollars without my consent or authorization. I escalated this to higher management but was unsuccessful. I then escalated it with Upgrade Inc in hopes of getting support. They did not give me any support or effort in investigating this matter further and when they concluded their investigation after months they said the charge was valid and only sent a picture of the contract I sent them in the beginning as evidence of it being valid. I escalated this further but higher management was equally unsupportive and nonresponsive. After the horrible experience regarding the {$1100.00} charge, my balance goes from {$1100.00} to {$1900.00} {$1100.00} out of nowhere without me using the card to make any additional purchases or charges in months. I then call and speak to three different managers about the mysterious {$800.00} increase on the balance and they tell me it is a technical issue and it should be resolved. They do not resolve it and I have to call back three separate occasions and spend hours on the phone to get the same answer and go around in the same circle. Still this day it has not been resolved. I do not want to be responsible for the {$1100.00} original charge or the {$800.00} mystery charge.

Company response to consumer: Closed with explanation