BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX, XXXX 900.00 was put into my account for bill pay. I monitored the acct. to see when funds were taken from the account for each bill. The transactions were called pending however the available balance reflected they had been debited from the acct. To be sure that I understood the term pending I called the XXXX number for Wells Fargo and spoke with a rep. XXXX XXXX XXXX had 2 separate payments XXXX and XXXX. The rep informed me the amt. XXXX had NOT been debited. With this being the weekend before XXXX I withdrew 40.00 and replaced it before it would be debited. When I noticed the amount of my balance was still not enough I called them again. I failed to include the fees. The rep informed me I was XXXX short. I returned to the atm and deposited 1.00. On XXXX XXXX I checked my account and the XXXX amount from XXXX XXXX XXXX appeared as a debit. This left me with approximately 65.00 to my advantage. I discovered this around XXXX. I questioned the transaction however my acct. showed the XXXX paid. Due to my concern I planned to go to my branch when they opened. Before they opened I checked my account and it was negative 135??. I was upset and confused. My available reflected funds where being deducted since first bill payment. I have alerts set to inform me of activity on my account. I get those notices daily according to the activity. When I went into the branch. They printed their info and to my surprise no funds had been deducted toward my bills only merchant and atm activity up until XXXX XXXX. The information I had access to was not the same as what they presented. I asked them if they were not deducted then why did my balance reflect they were. It was difficult to determine which amt had actuall been taken from the acct with XXXX XXXX XXXX. I felt I was deceived and this practice was unfair. Where did those funds go? The majority of the bills were paid however I accrued a NSF of 35.00 and a non payment on one of them due to misinformation on Wells Fargo. My acct is presently over drawn by 165.?? and I dont have the funds to cover them. It was one transaction made for gas and food on the XXXX XXXX around XXXX as well due to the available balance my account reflected. When the branch opened for me to verify or replace the amt used the 124.00 was not there and the debits made was not toward trans. done on the dates they were made. It is suspicious that my account no longer reflect the daily credits being made it shows all done on 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 monetary relief
Consumer complaint received 2017-11-13
Company: Metro Collection Service Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Metro Collections is attempting to collect debt from XXXX XXXX XXXX that was discharged in a bankruptcy. I sent a letter requesting verification of debt and told them the debt was discharged in a bankruptcy. They still have not forwarded evidence regarding the debt. They sent notification to the credit bureaus after I notified them the debt was discharged,  and my credit is being affected by this reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
for one, they ALWAYS autodial my call, never state who they are until i give in and give them personal information. If i ignore the call on my cell phone it redials immediately so that they are calling me within seconds of hitting ignore. I have no Idea how they do this but it happens everytime, the only way to get it to stop is to turn my phone off by removing my battery ( includes remiving a difficult to remove protective case ) or by answering. Whne I expressed that it is illegal to use an autodialer system on a cellular phone line the representative told me " thats your problem '' I informed him of the law, he said " it is a system used to call you '' then when I talked about the harrassing calls he stated that they are allowed to do this. I know my rights you can not call me 20 times back to back to back if i ignore or do not answer the call. <P/>also to get them to identify who they are is like pulling teeth. wont tell me who they are or who they are with unless i agree I am who I am and other information. Information I do not feel comfortable giving over the phone to someone who calls me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Hello! 
I filed a Chapter XXXX Bankruptcy in ( I believe ) XX/XX/XXXX, it was dismissed a few months later. 
There were 3 accounts with 2 creditors ( 2 with Capital One and 1 account with XXXX XXXX XXXX ) that were all charged off in XXXX of XXXX. 
I never received any communication from these creditors regarding the accounts after they were charged off. 
Now, over 3 years later, between XX/XX/XXXX and XX/XX/XXXX, all XXXX of these suddenly appeared on my credit report as " failed to pay ''. 
Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX old have never had a cell phone to date, ive sent letters to company and to reporting agencies to no avail, help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Have had this loan for multiple years and have also been or paid on a bi-weekly program either through the company or on our own. We prior to the sale or take over by this mortgage company were on their bi-weekly program. When NewRez dba Shellpoint took over they didn't not participate in that program but we kept on paying bi-weekly through our bank and there didn't seem to ever be an issue until this last year when they for some reason would take one of the bi-weekly payments and make it a principle only only payment. In the event of them processing the bi-weekly and additional principle payments incorrectly they have managed to get our schedule off and now it is showing that come the first of each month we are short on the payment and have since been issued late charges I've called multiple times trying to talk to someone about the issue but it is always after they have applied the " late payment '' and just say they show my account in perfect standing order. Then the first comes around and we are repeating the same process.. I pay {$650.00} the XXXX  and XXXX Friday of every month so come the first I have my regular payment plus and additioon {$250.00} for principle.. I got tired of them putting the blame on me because I wasn't doing the samething buth through them on their time schedule. I finally gave in and set up the bi'weekly to start XX/XX/20 and every other Monday thereafter and assured by the superviose XXXX XXXX XXXX XXXX that my account was again in good standing order once this was started I'd have no further issues. But when I went on the website and looked at my billing history in the same situation. They have made some big mistakes misapply by payments and I just want my schedule to be fixed and stop be charged late fees. No telling how messed up principle payoff has been affected by their XXXX ups. I want my account to reflect my 2 monthly payments being applied to the next month and refunded every dime they've charged me inappropriately. I'm including a copy of my payment history for the last 13*months.  Also attached is a copy of my last statement and if you notice on the back it states that amounts paid in excess will first be applied to satisfy any delinquency yet that has never happened and I pay an {$250.00} every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  XXXX  XXXX partial account number XXXX. ( Please see pages 3 and 13 of the attached credit report. ) I have already called XXXX  XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2020-02-17
Company: Experian Information Solutions Inc.
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:
I wrote Credit Bureau on multiple occasions asking to verify a bankruptcy on my credit report. I asked to verify when it was reported, who they talked to, phone number called, etc. They wrote back and just said verified. They never would give me what I asked for.

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 2017-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt in full XXXX of 2017 and I have already submitted a complaint due to their customer service rep providing false information. This company has stated NUMEROUS times I owe them {$0.00}, which is FACT. However, I get at least 4 phone calls per week from Portfolios recovery trying to collect a debt! I will sue this company if they do n't remove my phone number from their call lists as I owe them nothing. When I call them directly I am told that I owe them nothing. But they continually call me from different numbers that include : XXXX ( XXXX XXXX XXXX, XXXX, XXXX. IT IS NEVER ENDING. this company is disgusting and if they do n't stop calling me to collect a debt that is not owed I will sue them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX XXXX XXXX sent me a XXXX XXXX of XXXX for a old credit card balance. So I reported it on my taxes. A few months ago, the old account that had XXXX balance started showing a balance on all 3 credit Reporting agencies. I disputed all 3 and sent a copy of the XXXX and a IRS statement that said it was cancellation of XXXX XXXX XXXX XXXX XXXX right away. XXXX and Experian did not. So I disputed it again. They still claim the account is verified and shows a huge late balance. The Balance should be XXXX. Can not get any into from XXXX XXXX about this. But it is causing me to have high interest rates and severely damaging my credit. The letters themselves are very easy to figure out. The account should not be showing a current balance. I do not understand why 2 of the  agencies can not figure this out. Its so simple of an error on there part.

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 2017-12-29
Company: ACS Education Services
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
From XXXX XXXX through XXXX XXXX, I had issues with ACS not updating my payments properly, charging me with late fees and coming up with increasing larger, but never really explained amounts in arrears. I will attach my payment history which shows only two late payments in two years, followed by my paying extra amounts to catch up and paying out a large sum to catch up on what they said was in danger of being delinquent though not accounted for. I never defaulted and even though dealing with illness and hospital bills, I never neglected to pay even if it was just my regular payment. ACS, now Conduent called me multiple times a week multiple times a day at all hours and I also answered and explained my situation and made payments. Some of the customer service reps even advised me of times to pay to avoid credit reporting consequences. In XXXX, around the time I learned that I had been hit with bad charges related to the XXXX and XXXX breaches, I saw where ACS/Conduent had reported multiple 60 and 90 day payments delinquent. It made a huge dent in my credit score, and like the actions taken by the company in my other complaint, are incorrect, unwarranted, and a detriment to my position as a cleared XXXX. 

I wrote to ACS/Conduent and received a reply that they had no control over the reporting and to reach out to XXXX. I reached out to XXXX and was told to go to Conduent. Neither of them answers the phone or returns voicemails. I attached the email chains for your reference. 

I didnt realize it, but this treatment is very close to that complained about in the recent lawsuits https : XXXX? XXXX and https : XXXX. Unfortunately, Virginias XXXX has not joined this effort and so I am reaching out to you. 

This characterization of my payments and the credit reporting is false and I would like it removed. Also, it cuts against my livelihood, which I need to pay the loans back. It is difficult to understand why a lender and services would want to harm the source of their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Consolidated Recovery Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX was a processor company that was doing my credit card transition I had 3 my customer did a charge back on credit card transition XX/XX/15 all the charge back which was debited from my checking account and was paid in full, now this collection company CONSOLIDATED RCVY GRP have me in collection for the {$2800.00} which was paid already, I send the copy of my bank statement with the withdraw amount but the guy said the late fee was not paid so they are not going to remove from my credit report, now how can I owe late fees to consolidated rcvy grp when I already paid XXXX XXXX from the very day of the charge back ; can you please me to solved this problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never signed a contract with XXXX XXXX and XXXX XXXX was in agreement. However, they put a {$580.00} collection on all three credit bureaus. 

This is not my debt, I do not owe this collection and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, we closed selling our house. Our proceeds were provided to us in the form of 2 cashiers checks from our title company, XXXX XXXX. One check was for approx. {$1400.00} and one check was for approx. {$150000.00}. We deposited them on the ATM of our local wellsfargo and were informed that a hold would be placed on the funds until XX/XX/XXXX. On XX/XX/XXXX, I went to a branch to speak to the manager about receiving our funds and we were told that {$5000.00} of the deposit would be made available to us at midnight on XX/XX/XXXX. None of the funds have been made available. Ive called the branch and they said to call customer service who then referred me back to a branch location. We are now being told none of our funds will be available until XX/XX/XXXX, which is more than 7 business days past the initial deposit on XX/XX/XXXX. This is in violation of the funds availability act and the exception holds.

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 2020-02-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX has filed negative reporting to the credit agencies for a fraudulent debt. No communication was made to me even though my address is available in the public record. I do not have any debts outstanding. The company has not made the necessary correction to the reporting agencies although I have reached out multiple times for them to do so.

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 2020-02-17
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Second Round Limited Partnership has filed negative reporting to the credit agencies for a fraudulent debt. No communication was made to me even though my address is available in the public record. I do not have any debts outstanding. The company has not made the necessary correction to the reporting agencies although I have reached out multiple times for them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX XXXX XXXX sent me a XXXX XXXX of XXXX for a old credit card balance. So I reported it on my taxes. A few months ago, the old account that had XXXX balance started showing a balance on all 3 credit Reporting agencies. I disputed all 3 and sent a copy of the XXXX and a IRS statement that said it was cancellation of XXXX XXXX XXXX XXXX XXXX right away. Equifax and XXXX did not. So I disputed it again. They still claim the account is verified and shows a huge late balance. The Balance should be XXXX. Can not get any into from XXXX XXXX about this. But it is causing me to have high interest rates and severely damaging my credit. The letters themselves are very easy to figure out. The account should not be showing a current balance. I do not understand why 2 of the agencies can not figure this out. Its so simple of an error on there part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
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:
I have a loan with the account below. I have always made my payments on time. Ive contacted the bank about the issue & they agreed to mark it as paid as agreed -- - never late. I believe their records are wrong & Id like this matter handled ASAP. Please update the accounts immediately and remove negativity. 

XXXX XXXXXXXX

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 2022-03-03
Company: DISCOVER BANK
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:
The letter of incorrect and inaccurate information was sent on XX/XX/XXXX of 2022 and was received by the Bureau and do nothing about the dispute letter. Prior to this, I disputed this online. XXXX responded with a " Factual '' update without verifying accurate information that this account is valid and accurate. The bureaus are continually ignoring my disputes related to these companies.

Company response to consumer: Closed with explanation