BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my second attempt at requesting the company to validate the debt in question. It has been more than 30 days and the company has failed to respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Persolve, LLC - Legal - Series 2
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was exposed to the XXXX  data breach and got into the wrong hands, remove this fraudulent account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I got a Discover it secured credit card XX/XX/XXXX billing cycle got a lot of negatives off my credit my. I got the secured card in XX/XX/2018 my brother same situation but alot of negatives on his credit and still does. He got his card a month later he makes alot more money I am XXXX. They r discriminating agaisnt me salary and XXXX also XXXX XXXX that I have complain to u about them. It's always about the XXXX peoplrei sm XXXX off iam XXXX I contacted legsl services. XXXX XXXX is agaisnt the XXXX. Well my brother graduated I got a better fico score my vantage score should be staying XXXX but they never did off cycle. Discover or XXXX XXXX. I know u haven't help me but when I get an attorney covering all angles. White people rdiscriminated agaisnt also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: AFNI INC.
State: NC
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:
Several months ago, I disputed the reporting of a old XXXX XXXX XXXX XXXX account to the credit agencies. As of today, this account is still being reported, although it is over ten years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan with XXXX XXXX XXXX and it was the worst mistake of my life. So I refinanced this loan but I wish I had refinanced sooner but they were giving me inaccurate information about refinancing. I refinanced the loan with XXXX and I wish I had done it sooner. I got a call from a collection agency stating that I owed a small balance. I sent them a certified letter asking why they say I owed a balance when I had a letter stating that my account was paid in full. I received another letter from XXXX XXXX stating that my account was paid in Full in XXXX. But in XXXX they reported to all 3 credit bureaus that the account is in collections. The company then sent me another letter stating that my account was paid in full. The company even sent me a refund check for {$47.00} in over payment to my account. My credit report did not show any late payments before they sent this straight to collections and it is now it is still on all of my reports even though I have been disputing it and it caused me to be denied another car loan.

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 2018-06-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having major problems with the mortgage company SPS. they have stolen my XX/XX/XXXX Mortgage payment. I have proof that SPS Mortgage company cashed my payment on XX/XX/XXXX and they are refusing to credit my and are charging me interest on that missed payment. 
2. they have disclosed personal information and have invaded my privacy by discussing my mortgage with my insurance company, when I specifically told them in writing only discuss the insurance payment release only, I have proof of that I received a voice message from my insurance agent that SPS said I have filed bankrupty and that why the delay and that was none of there business to discussed my personal information. My house caught a fire XX/XX/XXXX and they are holding the balance of my funds that they received from my insurance company to fix my house. SPS is creating hardship for my husband and myself who are disable, we need are money now to continue fixing our house they are holding it so they can collect interest on it as long as they can. they took two month to release the first draw, when all obligations had been met. I have made numerous calls and they refuse to let me speak to anybody other then who answers the phone. Please help me resolve this matters

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/2020 titled Annual Escrow Account Disclosure Statement. On this letter, NewRez Mortgage aka Shellpoint Partners LLC, advised that my escrow account was short by {$910.00}. Due to this shortage, my mortgage payment amount would increase from {$1600.00} to {$1800.00}. If I were to pay the shortage amount of {$910.00}, my new mortgage payment would only be {$1700.00} which takes into consideration a possible increase in property taxes. 

I first sent a payment of {$910.00}, specifically notating that it was an escrow shortage payment. Then two days later, I made the agreed upon payment of {$1700.00}. Both payments were accepted, but the {$910.00} payment remains un-applied and the new mortgage payment amount does not reflect the escrow-only payment I made to the account. 

I have called and spoken to several representatives about this matter - initials provided for privacy ( XXXX XXXX, XXXX XXXX and XXXX XXXX and many others ) When I finally spoke to XXXX XXXX he was able to make a note on my account to apply the {$910.00} to the escrow shortage, but the other representatives were completely useless i.e. transferring me to disconnecting numbers, transferring me to fax lines, or just disconnecting the line once they discovered they were not able to assist me. 

The issue has not been resolved to this point, and my account will show delinquent, though it is not. I am going to continue to pay the amount notated in the XX/XX/2020 letter NewRez sent to me, though their online records reflect a different ( incorrect ) mortgage payment amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Heartland XXXX proctors my student loan from the University of XXXX. They are supposed to send me quarterly statements for me to return payment via check. They frequently fail to send out statements ( 3 times in past year ) and then require me to submit payment through their website and pay a  convenience fee, or pay a late fee to pay by check. I have called monthly to discuss with the company, and I believe that Heartlands XXXX is deliberately obstructing my ability to pay via check in order to force me into an alternative payment method that they charge additional fees for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
First they cut off my card because they said that I filed too many claims. Even though they were found in my favor they still canceled my card for a year. Now I filed a claim on my husband card because I have a joint account, they said that they sent paperwork requesting information and through their app inbox. I advise them that we never received it. I told them that I never received any of my items from XXXX 'XXXX  and that I needed to file a dispute. I went to the store to get a refund they gave me my receipt but I never received my money. When I filed the claim I offered to sent that info and they said no. I was told that they never sent it thru the message center. They said they sent it in the mail but I never got it. They threatened to close my claim. I finally sent them the paperwork they need and I have received 3 different timeframes as to when the claim will be completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I began sending letters in XX/XX/2020 asking for Equifax to delete incorrect addresses from my credit file. They have failed to respond. There are over 10 addresses on my file. This is inaccurate and damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-04-06
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
transunion is reporting that I have late payments for my XXXX card. I contacted XXXX and the are stating that my account is in good standing and has been with NO reflection of late payments. I have tried over and over and finally have nowhere else to turn for help.

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: KLS Financial Services, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid in full please stop taking advantage of me and marking my credit

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 2018-06-29
Company: Assured Financial Partners
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by a company called XXXX XXXX. They called me using a blocked number and told me they were XXXX XXXX XXXX asking for a relative of mine. I told them they had the wrong number and they proceeded to tell me it was in regards to an arson incident and had me write down case number, phone number and company name to give. That it was so urgent and involved legal documents needing to be sent. Out of curiosity I called the number to see if it was legit and this is how I found out who the blocked number the woman called from belonged to. A representative for XXXX   XXXX XXXX answered, gave a name and I told them I obviously am not who they are looking for. They asked for the " case number '' to see what was going on. I asked how they got my name and number when I know this relative does not have it. He claimed he got it from my relative 30 days prior. That it was the main contact info given. I told him that is impossible and he cut me off claiming it's the info given as contact and until they reach my relative there is nothing they can do. I asked what this is even in regards to and that the woman from the other company they work with said it was something about arson. He claimed he could not give me any further information and that they were a civil mediation company. So in response I asked if it was for a debt and he replied no. It was to talk to the relative and be the middle man in a situation and if the papers he needs to get aren't given then there will be legal consequence and he could be picked up. I told him I don't know where they are and this is not their number so if they will not stop calling I would pursue other legal means to stop it. He again said they can't take my number out and just to relay the information to the relative and that was it. The relative they are looking for is not involved with any mediation lawyers. Not to mention, I have never heard of any arson cases involving this type of lawyer. We live in IL these lawyers are not based in our state either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is misreporting our PAID auto loan as a delinquency as retaliation for filing a previous CFPB complaint we filed concerning an error that occurred at the end of our lease. As evidenced in the screenshots provided, the tradeline previously correctly showed the payment status as " Current. '' After we rightfully filed a CFPB dispute to address a payment error they made at the end of our lease, they updated their reporting to reflect the account as delinquent 60 days on TransUnion and XXXX and 90 days delinquent to XXXX on both mine ( XXXX ) and my husband XXXX 's credit reports. The account was brought current in XXXX of 2020 and is PAID IN FULL. This retaliatory behavior is unjust and needs to be corrected.

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 2018-10-12
Company: General Motors Financial Company, Inc.
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:
Back in XXXX I had XXXX XXXX from car accident. I called all my creditors and explained why I might be late due to the severity of my XXXX and not being able to pick up my paycheck. Once I did get my paycheck the crazy employer gave me my paycheck and it bounced. I called again and explained the situation everything was verbally agreed upon and I assumed that I was ok until I noticed that I was indeed marked past due. I have made several attempts to plead with this removal and they are still dragging it out. My record of payments is impeccable never late except this particular time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
After filling in the basic information requested on the XXXX website for my free annual credit reports, the site stepped me through each of the credit reporting agencies ' pages. All three shutdown the process without providing me with my credit report. None asked for additional information. None gave me the opportunity to resolve issues online, nor did any provide any substantive explanation of what their issues are. 
" We are not able to deliver your free XXXX  Annual Credit Report online. '' -- XXXX " A condition exists that prevents XXXX  from being able to accept your request at this time. '' -- XXXX  " We can not proceed with your request at this time. Explanation : Unfortunately, we are unable to process your request based on the information provided. '' -- TransUnion

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 2021-04-30
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my account closed my new account in XX/XX/XXXX after it took me a week to open it. I never saw XXXX XXXX in the bank until the very last day I was at the bank finishing opening up my new account. XXXX XXXX is purpose coming around me. How would she know I was at that bank unless the banking employee was telling her when I would be coming in. She was stalking me. She had falsely accused me of harassing her in XXXX on XX/XX/XXXX. She is the one who started the confrontation by screaming at me yelling out my private financial matters saying how XXXXr I was because she knew how much money I had coming in my bank account. Yelling it out in front of the neighborhood but some how the police took her side that I harassed her. This is the type of employee they have working for them a liar. 

She told me why dont I take my XXXX XXXX son back in my home. XXXX and XXXX should had been the ones charged with disorderly conduct. She told her co workers at Wells Fargo and they pushed her to file harassment charges against me. This is down right criminal. 

Then I had to wait 4 months for court on XX/XX/XXXX. I was found guilty of harassing XXXX XXXX. I was denied to file harassment charges on XXXX XXXX. Even though she called my son was XXXX XXXXXXXX and told me why dont I take my XXXX  XXXX son back in my home. 

I was XXXX by the XXXX XXXX police and spent 24 hours in XXXX to please XXXX XXXX. 

I had hail damage in XXXX and I took my insurance check in Wells Fargo but was pressured to open a new account by XXXX XXXX on the XXXX bypass in XXXX XXXX. 

XXXX XXXX made sure to tell, the whole bank about what she got away with. Wells Fargo agreed with her that I was harassing her. 

But the problem is that I had no problems from the first 12 months. Until XX/XX/XXXX. I was being set up by XXXX XXXX and Wells Fargo. 

For them to get rid of me. But its not fair how I was treated. Wells Fargo said I constantly harassed XXXX XXXX. But they could never tell me how. Because they know I never harassed her.

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 2018-04-12
Company: Experian Information Solutions Inc.
State: TX
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 had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/2018. I received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from Experience that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to XXXX. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.

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