BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented an apartment and lived there for approximately 5 years. When I moved out in XXXX of 2014, I did a walk through with the Manager, XXXX, at XXXX XXXX XXXX. She said everything looked great and I didnt owe anything. Now, six years later, Im applying for a mortgage and a debt from the apartment says I owe {$2000.00} for pet damages. I never had a pet. I called the apartment office and they said all of the records were taken by the previous management company. They gave me the name of XXXX XXXX who apparently ran the complex while I was there. The said the records were all left at the apartment. Finally, I called the collection agency and they told me to pay the debt and they would remove it from my records. I told him that I still had no written copy of why I owed money. I spoke with XXXX XXXX at National Credit Systems , Inc . He sent me a copy of an apartment move out checklist dated two and a half months after I moved out and not signed by me or the apartment manager. It says I owe {$2000.00} for pet damages. I never had a pet and my lease shows that. In addition, I have a witness who lived there at the time that said after we moved out, apartment employees lived there with pets. I have truly tried to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to the Portfolio Recovery Associates Group and requested they only contact me by mail. I received a call on XX/XX/XXXX at XXXX from PRA at ( XXXX ) XXXX and the representative informed me the documents I requested were mailed to an address that I confirmed is not mine. It upsets me to know my personal and private information have been shared due to improper validation of this debt and Im sure it is unlawful for the collection agency to share consumer information in such a way. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by PRA Group regarding this account and furthermore I received another call from them on XX/XX/XXXX @ XXXX XXXX from ( XXXX ) XXXX. I have submitted this complaint in attempts to have this debt verified and this account investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern, Back In XX/XX/2019 I had a late fee from XXXX XXXX. I called right away and the late fee was to be removed. It has now been to months and the late fee has not been removed. I have always paid on time and have called XXXX  again which they assured me it would be removed. From looking at my credit report it appears it was never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2018 I made an online payment to XXXX XXXX for {$120.00}. I was emailed a paid invoice from XXXX for my monthly payment of {$120.00}. However, on my debit card account / Netspend it showed a pending transaction to XXXX  of XXXX. 

I contacted XXXX AND WAS ADVISED THE SUBMITTED THE EXACT AMOUNT OF XXXX TO NETSPEND. XXXX stated that Netspend had given them an authorization code XXXX in the amount of XXXX. 

I contacted Netspend and was advised that XXXX submitted a request to hold XXXX. 

After many phone calls, I still do not know who put the hold for more than the purchase price. This is not an amount subject to change and is a month to month fixed amount. 

I simply can not get any answers as to who placed the hold on my available funds. I had to actually go to a place and deposit money on the card to complete another purchase for parts for my vehicle. 

Netspend is swearing they didn't add anything to the XXXX submitted amount and XXXX  is swearing they did not submit an amount for more that the actual cost! 

I think I should be able to find out who placed a hold on my funds that exceeded an invoice. This was not gasoline or a car rental.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
On the date of XX/XX/2019, I went to a auto company ( XXXX XXXX XXXX  in XXXX, OK ) hoping to finance a car through them. Going in their oblivious to what they were trying to pull, they said things to me that weren't true. They told me they needed money ( {$100.00} ) to put an application through, which was false. They also told me and advertise, that they in fact do not run credit. Me being a first time buyer, heard that and went through with it. Turns out, they ran my credit and it left me with a hard inquiry on my credit report. Had I been told, they in fact will run my credit, I would've walked out the door. Me and my mother both called them, and the sales man told me they do not run credit, yet my report says otherwise. We asked to speak with the manager or supervisor and he then said they do run credit and he will speak with the salesman about the false information he gave me. Apparently their was nothing more they can do at that point. Very ignorant, lazy, and poor communication going on in that business. They clearly just wanted to make a sale and took advantage of a first time buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
You sent me a letter stating that the accounts were verified and accurate, but you said nothing on how the account was verified.You sent me no documents or information that your company relied on to verify the account below. These accounts below have multiple inaccuracies and inconsistencies in the reporting between all 3 credit bureaus. I have pointed them out once again. They needto be reinvestigated and Deleted from my credit report. 

XXXX ( Original Creditor : XXXX XXXX ) This account is a result of identity theft. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXPayment History shows six, 120 day late payments consecutive. Which it is not possible for me to be 120 days late for 7 months in a row. This is not accurate reporting. Action : please remove all from this account and update the account as paid as agreed or Delete. 
XXXX XXXXDate of Last Activity shows different on each bureau which is no possible way to have last activity on three different days for the same account. TransUnion shows XX/XX/2015, XXXX shows XX/XX/2015 and XXXX shows XX/XX/2015. XXXX : Please Delete Immediately. 

It is your duty, mandated by law, to reinvestigate any dispute sent by consumers. Noneof the furnishers ever provided any proof to methat the accounts listed above was reported 100 % accurate.

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 2021-01-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1. I am not being responded to, by Navient XXXX. Attached. 
2. In XXXX I had an account that was reported 90 days late 3. I reported this to Navient in XXXX and thought it was removed, over the phone 4. In XXXX I thought this was removed due to misleading information at the time being sent to me and being told to me by Navient representatives. 
5. It wasn't until XXXX, I saw the 90 day late items reappeared on my account and effected my credit report, I assumed reinsertion. 
6. I have been contacting Navient from XXXX to XXXX to have the 90 day late removed, due to negative handling of my account and I have constantly been giving the run around 7. Navient has NOT investigated any of my claims, because I continue to request proof but none has been sent to me form Navient. Even after I have sent my proof to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 set my auto loan payment on automatic loan payment program for which it took effect on XX/XX/2020. In addition to the primary payment {$100.00} was put toward the principle payment. I called Wells Fargo Auto loan department to find out why the money was not taken out as scheduled on XX/XX/XXXX. The first customer service person stated that I did not have this program in place when I did. Once the customer service went on the website along with me, the person realized that there was an error with the system. I was told that I had to pay an additional XXXX which I did. 
Then from XX/XX/XXXX to XX/XX/XXXX the " system '' of the Wells Fargo Auto Loan Program did not know how to apply the principle as stated, then on XX/XX/XXXX I received an alert from F.I.C.O. credit reporting for late payment. I had to go into a branch to find out that the department changed Complaint executives without notifying me plus they physically reported my payment late when it was not late due to their system error. XXXX XXXX ( Acct # XXXX ) stated that they corrected their error on the same day but it will may take longer than thirty days. I have supporting documentation of the errors made on my payment history. The whole experience is depressing when a person has a excellent payment history. 
I had a perfect payment history manual and automatize until the system made the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. 

-XXXX XXXX XXXX XXXX XXXX : {$3400.00} -XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} -XXXX XXXX XXXXXXXX : {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Experian Information Solutions Inc.
State: MO
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, Experian and XXXX are reporting incorrect information on my credit report. The credit bureaus are not sending me any verification of any of these debts belonging to me. I recently just disputed these items listed below, and asked for proof of these accounts belonging to me but have not received any verification of me having any contract with any of these creditors. 

XXXX XXXX XXXX XXXX- {$1500.00} XXXX XXXX/XXXX XXXX- {$1100.00} XXXX/XXXX XXXX XXXX- {$0.00} XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- type debt buyer 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 non-monetary relief
Consumer complaint received 2019-02-18
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
When signing up for this credit card, the terms signed had a clause about becoming unemployed. I lost my job and the credit card company refused to follow the terms that they had laid out. This resulted in being charged multiple fees ( incorrectly ). These fees had the effect of compounding to make the situation worse, with more fees coming about from the fees that shouldn't have been there to begin with. I have now paid much more than ever used, with a balance at the same place it was to begin with. I became unemployed again, and the company stated they would not follow their outlined terms for the unemployment, and my account was being closed instead. Most recently, the company started harassing my in-laws. Calling my wife 's mother and brother harassing them. My wife is not even on my account! I had this account long before I even met her. Simply put, not following their own policies, and harassing third parties trying to over-inflate what I should owe them, should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Our loan was transfer from XXXX XXXX XXXX to Specialized Loan Servicing.  We made the XXXX payment to XXXX, but SLS send us a default notification and told us they were proceeding with foreclosure. My wife and I tried to call them on the phone and only once was my wife able to talk to someone and they refused to talk to her because my name was on the loan but she never had a problem with XXXX. We never received a normal loan statement from them in XXXX or XXXX, and we just received late payment and default notices. We have proof our payment in XXXX cleared to XXXX, but SLS says we haven't made a payment since XXXX. Every phone number SLS publishes on their website to call to talk to a person only leads to an automated system with no live person options unless you select the 3rd Party option which we are not 3rd Parties. They now want to foreclose on us before we have even made one payment to them. Our mortgage is {$420.00} per month and they want to charge almost {$600.00} in late fees and we can't even talk to them. Now they are starting foreclosure procedures even though we are only one payment behind because my wife didn't send the payment because she couldn't talk to them about the first payment that she sent to XXXX that they say they never received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Riverwalk Financial Corporation
State: DC
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:
Hello, My issue is with XXXX XXXX. XXXX. I 100 % believe this is a scam collection agency. I graduated from XXXX College XXXX. DeVille says my account was opened in XX/XX/XXXX and it's a private collection. They contacted me XX/XX/XXXX to make payments on a account that is worth {$22000.00}! I have sent money ( {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX ) I tried on many different occasions to contact the company, but the number was always to a different company. I also sent them a letter in the mail XX/XX/XXXX stating my new home address I received NO RESPONSE. I became Extremely Suspicious XX/XX/XXXX when this so called " TEXAS BASED company called me on a Saturday Morning from a XXXX WASHINGTON DC BASED phone number! What company calls on a SATURDAY MORNING from a completely different number? I will no longer send them any money and I WANT THIS FAKE COMPANY OFF MY CREDIT REPORT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, There was a hard inquiry made on XX/XX/2017 that I did not authorize by the company called XXXX, I did sign any document giving permission for this hard pull nor did I authorize anything. I was looking over my credit and noticed this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am having significant trouble getting items on my Equifax credit report removed and neither Equifax or XXXX XXXX XXXX are providing me with verification of debt. In the past I have sent request for verification to XXXX XXXX XXXX but did not receive any responsive documents. Furthermore, these items have been disputed with Equifax and Equifax always waits four weeks then marks the information as " verified ''. However, I do not understand how Equifax is verifying the disputed records if the data provider, XXXX XXXX XXXX, can not even provide me with proof of debt or respond to my debt verification inquiries. It may be worth noting that other consumer reporting agencies and financial institutions have already acknowledged the records submitted by XXXX XXXX XXXX to be false. Indeed, XXXX XXXX XXXX have already been removed from other reports because the information could not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My real property note was sold on XX/XX/XXXX with the corresponding servicing transferred to ShellPoint Mortgage Service. They claimed being unaware of insurance on my the property at this time, even though the declaration was provided to them by the former servicer and by myself. I received numerous statements from ShellPoint that the property didn't have insurance, even though continued declarations were provided by both my insurance company and myself. Repeated conversations with customer service and content from my account login provided both oral and visual confirmation of said proof. Furthermore, renewed insurance was procured and with the annual amount paid in full on XX/XX/XXXX. On XX/XX/XXXX, an additional payment of {$140.00} was made from my escrow account by ShellPoint to XXXX XXXX XXXX XXXX. Repeated phone calls and email to customer support has yet to provide an explanation to this charge, behavior and the ShellPoint escrow policy under the terms of my note agreement. Thank you for you attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: PENTAGON FEDERAL CREDIT UNION
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:
The payment is showing late on Pen Fed by mistake. I would like a proper investigation.

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 2018-04-12
Company: Colony Brands, 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 information incorrect

Complaint:
I have paid off my account with XXXX, but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with XXXX XXXX  and XXXX XXXX  ; but they continue to verify a balance owed when there is not one owed.

Company response to consumer: Closed with explanation