BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-14
Company: CONTRACT CALLERS INC
State: IL
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:
A woman called my work number and asked for my name. A person asked why. She wouldn't answer. She said do not call this number again ( co worker not me ). She called again and I told her to not call, she laughed, and she also gave out personal information without really knowing if it was me, given, its not my personal number. They are harassing me and I asked them to stop and they shared private information illegally. 
Company : Contract Callers Inc Phone number on caller ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Northstar Location Services, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
North Star Ph # XXXX Name : XXXX XXXX ext # XXXX I talked with them on XX/XX/XXXX about a debt they said I owed for some equipment. They stated I had more equipment then I did and I asked them to send me a detailed list of what they are saying I have. She said she would send it out. 
After that she called numerous time, left voicemails, hung up on me one time when I asked who was calling and she told me she could not give out who she was until she verified my personal information. 
I still have not received the information I asked for during this time ( nothing as of XX/XX/2020 ). 
Then on XX/XX/XXXX, she called my family members and stated to them she a debt collector trying to collect a debt and she needed to talk to me. 
I called her back after that and they stated she did not do this, I have the phone records and my brother has his phone records as well.They are harassing me and my family causing serious stress upon me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My wife and I decided to purchase a house. On XX/XX/2020 we continued working with XXXX XXXX from XXXX XXXX on a mortgage application. He tried to use LexisNexis to identify me over the phone, but I was unable to pass the questions. The questions were worded such that someone who only vaguely knows me would probably be able to answer them correctly. But I could not answer the questions correctly because I am me, and I know the correct details. This was the third time, where I am trying to be identified over the phone with some financial institution and I was unable to be verified. 

Now, yesterday, XX/XX/2020, my XXXX XXXX was supposed to have wired money to the XXXX XXXX for closing on this house. Customer Service from XXXX XXXX XXXX XXXX tried to identify me using the LexisNexis service. They were unable to verify my identity and consequently they DID NOT WIRED MY FUNDS TO TXXXX XXXX XXXX  The representative was supposed to call me back after checking with his boss, but never did. Now we are facing delays or contractual penalties, because of a potential delay in our closing on the house. 

This morning a rep from the XXXX XXXX called me back again to verify my identity using LexisNexis. There was another question about an " XXXX XXXX. '' I do not know an XXXX XXXX. I have a daughter named XXXX, and an EX WIFE named XXXX XXXX XXXX XXXX. So what gives? If they are trying to Uniquely identify and verify who I am, shouldn't they have VERIFIED and CORRECT INFORMATION about who I am? I answered the question about " XXXX XXXX '' as if it were XXXX, my daughter, and I passed the test this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I purchased a mortgage through XXXX XXXX on XX/XX/XXXX. Our mortgage was sold within a few months, to New Rez. New Rez never sent our new mortgage information to our flood and home insurance companies and placed lender-placed insurance for both. They double charged our escrow account and we were never aware of this until it was time to pay our taxes and premiums at the end of the year. My insurance agent contacted me and told me that my insurance has not been paid and I had a week to get my payment in before my insurance lapsed. They gave us a 30 day grace period due to these issues. I spent over 2 hours on the phone with the lady who sold me my mortgage originally, through XXXX XXXX. We spoke with a representative named XXXX, who was supposed to have taken care of this. We were told they over-nighted a check to both insurance companies and it would be taken care of within 2 weeks from that day ( amount of time for the check to be sent through mail. ) Now a month has gone by and I received another call from my insurance representative stating that my home insurance still has not been paid. Now I am XXXX days out from my insurance lapsing due to New Rez not sending the check to the correct company. I have never missed a payment on my mortgage. I have paid insurance every single month for a year now. I am about to lose my home insurance in XXXX days due to New Rez not doing their due diligence in gathering the correct information regarding my mortgage. I spoke with a supervisor named XXXX on XX/XX/XXXX and was told she would pay my insurance with a credit card that evening. She stated on the phone I would receive an email the following morning with payment confirmation and update mortgage clause. It is now XXXX XXXX  and I have yet to receive any of the things I was promised to resolve this issue. I have spent hours on hold, it took them approximately 5 hours to call me back on XX/XX/XXXX. I am not receiving the service I should be. This is a consumer 's nightmare to deal with this and it is no fault of my own. I need to know my rights in this situation because this is absolutely not acceptable from a mortgage company and the service I have received to resolve this issue is minimal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: PA
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:
Hi, I sent out a letter to XXXX/XXXX which was delivered on XX/XX/2018 requesting some information that was reporting in error. The response that I received back from this company was very disheartening and I feel like I am being taken advantage of by this company and the credit bureau 's. I am going on about 12 months of trying to fix this issue, and everyone is simply ignoring me and disregarding my request. The letter that I sent to XXXX/XXXX in XX/XX/XXXX clearly stated exactly what I needed to prove to them that the information may be reported in error. However, they simply replied back stating that I didn't request anything in specific. To prove my claims, I've attached the letter I sent, with my request inside of that letter, and also their response from my letter, which came over a month and a half later. This company has a reputation of illegal loan shark transactions and the accounts they set up are with ridiculous late fees, and the billing cycles are set up to increase the likelihood of missing a payment. I am at my wits end with this situation and I need this resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo Bank I did not add overdraft protection to my account when it was started. Wells Fargo had to open a new account after mine had been frauds. The new account was to exactly the same as the original that had been opened. The Bankers over the XXXX XXXX had handles the new account opening after my old account was frauds. The representative added overdraft protection without my knowledge. This resulted in Wells Fargo charging me overdraft protection fees when Wells Fargo tranfured {$9.00} from my savings to checking to cover XXXX. They then charged me an overdraft protection fee of {$12.00} causing my checking to go Negitive {$12.00} in witch there was no more money in my savings to cover. Then Wells Fargo would have charged me another {$35.00} for totaling {$47.00} in fees all of witch would have been negitive in my account had I not of fraught for two hours and been hung up on twice to have removed. They refused to take me seriously until I mentioned the CFPB and that I already knew all the Fraud that had been taken place with Wells Fargo. The even told me I had no right to record my conversation with them even though the law states if they are recording me they then can not expect any right right to privacy because they are already swear they are being recorded. This Bank should be closed and sold off! No more to big to fail!

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 2018-11-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
TD Bank has sent me a debt collection letter notifying me my account is overdrawn. The account is overdrawn due to TD Bank maintenance fees NOT due to my error. The account was drawn down to XXXX in XXXX and now I am being charged for an account that should be closed. I have written to TD in XXXX Maine with NO response to my inquiry. I would like this account closed and the fees waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25
Company: GreenSky, LLC
State: WY
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:
On XX/XX/2017, XXXX XXXX XXXX  offered financing through Green Sky. I filled out the credit application on their tablet. In less than 22 hours, " XXXX '' was connected to my gmail account IP XXXX and a new device was signed on from XXXX  XXXX, XXXX IP XXXX. Then two remote account were added to my XXXX XXXX checking account " XXXX '' connected to a XXXX XXXX XXXX account   and " XXXX '' connected to a XXXX XXXX XXXX  account, that were not mine. From XX/XX/XXXX-XX/XX/XXXX there were 33 unauthorized transactions from my savings, checking, and two attached accounts that belonged to my father and daughter. Thousands of dollars were stolen out of my account and moved into the XXXX  XXXX XXXX and XXXX XXXX XXXX accounts. They logged into the Green Sky account, which is where I believe this hacker got in. ( There may be a connection to XXXX  breach was mid XX/XX/XXXX - XX/XX/2017. ) There were also searches using my XXXX, XXXX and XXXX XXXX. The hacker watched videos that appear to be in XXXX, for example about Admiral XXXX XXXX and Prince XXXX, Commander XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX and Emperor XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was a victim of identity theft and i have a bunch of accounts open in my name that is not mine. I already try contacting the bureaus but they didn't help me and they're customer service was rude. I also submitted a police report and affidavit also letters with all the items that were not mine.

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 2018-05-14
Company: EZCORP, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Yes i have paid this debt 2 times to two different company 's and they keep selling my information to different company and now there is a company calling saying that they are suing me and going to serve me ppw to go to court i have receipts showing i have paid this debt. The original creditor EZ-MONEY is no longer a United States company. So I cant get a hold of them anymore. The company that keeps calling me with a robo call and putting me on hold is from different number and names they say they are a courier service that wants me to tell them where i work to deliver me paperwork or to call this other number I call them and they are rude and want me to give them cc information. I refuse and they hang up on me. XXXX that's the number the caller id says XXXX XXXX The last time they called the caller id said XXXX same ppl and told me same thing. I have informed them that I paid it and offered to sent them the receipt and they refuse to accept it. Please help me they are calling about 8 times a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Orions Management Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX my father called me stating he received a call that this XXXX person said they would be sending the police to his house. 

I called the number back and he stated he talked to me 8 weeks ago and that I said I am not paying, take me to court. 
This never happened. He then stated he knew where I worked, what my hours were and he was sending someone to my job. This was a statement made with no action in regards to collecting on the debt. Just that they would be sending someone out to by job for me. 

I spoke to someone maybe a year ago where they proceeded to tell me everything that was on my credit report and accost me about not paying my debts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Contacted by Navient ( XX/XX/XXXX ) about student loan I apparently co-signed for my wife ( at the time ). Requested proof, they said they've been sending it to me, but I've not seen any. I told them to quit calling. 

Contacted by XXXX XXXX XXXX in ( XX/XX/XXXX ) about same loan. Requested proof. They sent me the application / contract that was supposedly faxed from the school to Sallie Mae ( Loan was from XX/XX/XXXX ). 

I have a problem because they sent the cover letter ( # pages whited out ), application ( signed XX/XX/XXXX ), and contract ( Copyright XX/XX/XXXX ). Further, while the application has the fax headers, the contract does not. It's clearly been pulled from some other file to be included with this one. I can't imagine this to have been done unintentionally, as the contract would have been included with the fax. Someone thought enough about it to alter the cover letter, hiding the # of pages in the original document. I find it troubling, that a company currently involved in a lawsuit regarding unethical ( at best ) behavior would conduct themselves in such a manner. 

I would like to point out that I'm named as the co-borrower on this loan, and the primary ( XXXX XXXXa ) passed away in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 filed 4 disputes about an bankruptcy filed in error on my report. Transunion each times has come back stating the information is correct when it's not. My chapter XXXX bankruptcy was converted to a chapter XXXX in XX/XX/XXXX. My lawyer accidently filed it has a new case in error. The bankruptcy court couldn't do away with the case number so they filed it as a voluntary dismissal and converted my chapter XXXX how it was supposed to be originally. Now I have 2 bankruptcies on my report and 1 shouldn't be there. I have spoken with Transunion supervisors multiple times with no resolution. My lawyer wrote a letter stating the error that was made and the case number XXXX XXXX  should be removed. However, transunion states this must come from the court. Transunion pulls the information from a 3rd party and a website not the actual court. Transunion refuses to call the court to verify the error. The court states they don't report to the credit bearou so they can't have it removed either. I have submitted sufficient documentation from my lawyer and Transunion refuses to remove the bankruptcy filed in error. My last contact with Transunion and the court was today. XXXX  has no issues removing this from my report so I don't understand what the problem is with Transunion. Transunions method of verification is also lacking in sufficiency. They expect me to get a letter from the court which the court will not five me. It is Transunions responsibility to sufficiently investigate the dispute not mine. They should be making contact with the court to verify the error but refuse to do so. My credit should not take an additional hit because of an error they refuse to remove. Voluntary dismissal is also inaccurate because I didn't request it be filed in the first place.

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 2020-08-19
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a letter from Discover/personal loans dated XXXX XXXX.The letter states '' thankyou for applying for a discover personal loan on XX/XX/XXXX '' .I NEVER applied for a personal loan through discover or its affiliates.This is fraud.I did have a discover card with no balance and early 2020 during breakout of covid-19 pandemic, discover closed my account citing inactivity.I did call discover at XXXX on XX/XX/XXXX at XXXX and spoke with XXXXe.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from Discover???? .Therefore, I never applied for a personal loan from Discover/personal loans or it s affiliates.THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: EQUIFAX, INC.
State: SC
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:
Equifax is re-reporting a previously removed fraudulent collection account that was a result of identity theft. The account listed under XXXX XXXX XXXX was removed in XX/XX/XXXX, However, Equifax re-reported it in XX/XX/XXXX without notifying me. This is a clearly violation of the FCRA as they are not supposed to re-report a previously removed account without notifying me which they did not do. 
In addition, there customer service representatives were of no assistance and did not care that the account had already been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Experian Information Solutions Inc.
State: SD
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:
On XX/XX/2018 I attempted to pull my annual credit reports from the three bereaus using XXXX. The first one in the list, experian, did not work  however the other two did. I attempted to pull experian again and I get a generic error that other people on the internet seem to receive quite frequently as well. There is no method to contact them other than via mail. The phone number I was able to track down on the internet does not allow you to speak to another person and the automated phone system does not have an option for my issue. 

This is the error I receive : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Thank you.

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