BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying additional principle payments to my mortgage company, NEWRez LLC. 
And noticed that my maturity date published on my account online not reflecting the correct updated maturity date based on my additional principle payments. 
Called new Rez At ( XXXX XXXX XXXX And talked to XXXX how identify herself as a supervisor stated that my maturity date will not change online since I signed a contract for 30 year conversional mortgage. And my additional payments will be going toward my principle. 

The is illegal as the lender should not be able to keep the maturity date unchanged even if I pay additional principle meaning they are just pocketing the additional payments and not changing the amount of interest charged. I understand the interest rate will be the same regardless of my additional payments unless I refinance but what they cant do is charge me for a principle that I have payed. 
Lender is clearly violating my rights and over charging me with additional payments that I am not responsible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: FIRST ADVANTAGE CORPORATION
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: Public record information inaccurate

Complaint:
Its saying I have a XXXX and I dont it was reduce to a clan XXXX  I need that changed please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my account XXXX XXXX XXXX XXXX # XXXX, please delete or produce the original instrument of indebtedness, method of verification and validation of debt. Also, this account is reporting a payment as of XX/XX/XXXX, but account is stating it has been close since XXXX ... 

This is account has many errors on all three credit agencies, please remove

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 2019-07-08
Company: Performant Financial Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2017, Premiere Credit of North America LLC took {$5200.00} from my XXXX bank account on XX/XX/2017 without ANY notification ever based on warrant  XXXX. After protesting the collection to Indiana Department of Revenue, the warrant was made by error and has been expunged. Indiana Department of Revenue has refunded me with {$4100.00} for wrongly collected tax and interest but Premiere Credit of North America LLC refused to refund the collection fee with {$1200.00} and hung up when I called them for solution. Plus, the Indiana Department of Revenue made it very clear that the collection fee has been paid to Premiere Credit of North America LLC and I have to contact the company for refund.

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 2020-10-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my account XXXX  XXXX  XXXX  XXXX  # XXXX, please delete or produce the original instrument of indebtedness, method of verification and validation of debt. Also, this account is reporting a payment as of XX/XX/XXXX, but account is stating it has been close since XXXX ... 

This is account has many errors on all three credit agencies, please remove

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 2020-10-09
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Adjusters has reported that I owe XXXX XXXX XXXX {$3300.00} which has impacted my credit score. In fact, I just received a letter in the mail stating that I actual owe {$310.00}. I have attempted to correct this through XXXX  and XXXX   but I have not been able to submit this letter proving the large amount of {$3300.00} reported is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I transferred funds from my personal checking to another personal checking on XX/XX/19. This caused my account to become a {$0.00} balance ( not negative ). On my XX/XX/2019 statement, First Citizens stated that I had 30 days to make a deposit to my account or it would be closed. OnXX/XX/19, I transferred {$50.00} from my personal checking to the checking account I transferred from onXX/XX/19. On XX/XX/19, First Citizens closed my account anyways. I contacted customer service first through the phone and they told me which branch closed my account and told me that I would have to speak with the branch. I went to the XXXX Branch because it was closer to my home and spoke with associate XXXX. She stated that my personal checking account was closed because I had not made a deposit since XX/XX/19, I told her that was not true and mention the transfer that I did. She searched for the transaction and stated that she did not find where I had made a transfer. I pulled up my bank statement and showed her where the transfer was perform onXX/XX/19 and she stated that I would need to speak with Mobile Banking to find out where my transferred funds were because the system does not have record of a transfer, which is probably why my account was closed for failure to make a deposit. She printed my statement and gave me the number to Mobile Banking. I called mobile bank and they initially could not find my transferred funds, but after an hour on hold and going back and forth, they found my transferred funds and stated that it would be put back onXX/XX/19, into the account I originally transferred from. I asked the mobile banking rep, why was my account closed when on my statement it says I had 30 days to make a deposit. He stated that 30 days started when I made the transfer on XX/XX/19, I asked him to email me the disclosure or account agreement that stated this, and he stated that it was on the bottom of my statement, I viewed the print off of the statement from the branch, and it does not specify from the transfer date or statement date, but I assumed that since it was on the bottom of theXX/XX/19 statement, that I had 30 days from that statement date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company " XXXX XXXX Asset Solutions LLC '' or "  XXXX Asset Solutions LLC '' has been calling me for months trying to collect a debt from an estranged in-law that I don't even speak to and haven't spoken to in 8 years. When they first called and asked me if I know this individual I asked them who they were and they said a debt collection agency and I told them to not call my phone again. They continued to call and leave messages and I would block each number. I called them back and told the employee to take my number out of their system because I do not owe any debt and I don't know the person they're trying to contact. They called me back today from the number XXXX and told me to call them back at XXXX. 

I don't know if this is a scam or a legit company but they're harassing me. I do not owe them money. I have absolutely no debt and I'm not responsible for an estranged family members business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Santander Consumer USA continuously called after verbal request of NO CALLS : XXXX ( XXXX ) - Santander initiated call - Requested NO CALLS after being contacted about past due amount, as I am typically at work and this disrupts my work day XXXX ( XXXX ) - Santander initiated XXXX and hung up when answered. 

XXXX ( XXXX ) - Santander initiated call ( spoke to ID # XXXX ) - Advised I had previously requested NO CALLS prior. 

XXXX ( XXXX ) - Santander initiated call and hung up when answered. 

XXXX - ( XXXX ) - Returned call to Santander and advised I had previously requested NO CALLS numerous times before. 

XXXX - Santander initiated call to alternate number on my account ( husbands ). Per requesting of NO CALLS, company should have restricted ALL CALLS to any number associated to my account. 

XXXX Company is in violation of TCPA*** Per agreement terms and conditions within the Santander contract, " Consent may be revoked at any time and by any reasonable means '' As a consumer, I respectfully requested NO CALLS numerous times - Santander attempted further contact 4 additional times after initially requested NO CALLS. Each of the 4 calls in violation of TCPA and could be fined up to {$1500.00} per violation. I reached out for legal action to be taken, but due to pandemic, this process has been delayed. I am requested immediate action be taken by CFPB and to fine Santander for these TCPA violations and award these to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this XXXX complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Perfection Collection
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I RECEIVED AN ALERT ON MY XXXX ACCT. 
THE PERFECTION COLLLECTION LL HAS REPORTED A COLLECTION TO ALL 3 CREDIT BUREAUS. REPORTING A BALNCE OF XXXX. THIS IS INCACCURATE. 
I WAS NEVER CONTACTED BY PHONE OR MAIL. 
I CURRENTLY HAVE AN ACCT WITH VIVINT, THAT IS SET UP ON AUTO DFAFT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Because a late payment of one day after have been notified Capital One increased the Interest Rate from 21.90 % APR to 30.65 % APR. 


I talked with them and explained that because the due date was a weekend I forgot to make the payment and I realize of this after they sent me an email telling me that the payment was delayed. They waived the Late Payment Fee of {$39.00} but did n't change the Interest Rate. 


I told them that it was not fair and I will cancel the Credit Card in 24 Installments but they want to continue charging me the 30.65 % APR. 

I wonder what penalty they paid 8 years ago when the Government have to do a Bailout of the main Banks and give them billions of dollars? 

I want to cancel the Credit Card and pay the balance in 24 installments with a reasonable and fair Interest Rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a misleading email making it seem like my account was overdue and they offered special programs including taking my tax refund to cover a payment/partial payment. In the email it includes this line underlined and in italics " If you 're getting a tax refund, put those funds to good use - bring your account current to stop the late fees and collection calls. '' My payment is due XX/XX/XXXX. I received this predatory and misleading email today, XX/XX/XXXX. My account is not overdue, but the red highlighted " alerts '' and request for my tax refund were still sent to me? Not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I was recently sued by Portfolio Recovery Associates for a credit card debt but I informed them that I was unable to come to court due to the fact that I couldnt risk leaving my elderly mother alone because of her late-stage XXXX and other health issues and that I was willing to settle the debt before the court date of XX/XX/XXXX in exchange that they would cancel all collections activities which includes dropping the lawsuit against me. They agreed to cancel all collections activity on this very same online website a month ago, but they have not honored our agreement. The courts still made a judgment against me due to the fact that I didnt appear in court. The courts may very well arrest me because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: AES/PHEAA
State: PA
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:
I am enrolled with XXXX XXXX through My Fed Loan to get the .25 % interest rate deduction. The frequency of my paychecks have changed, and occasionally my paychecks come sooner than my loan due date, so I often like to pay early, and I always pay more than the amount due. I called Fed Loan to ask if I could temporarily suspend my direct debit, and asked if the interest rate would increase if I proceeded with this change. On the phone, I was told that the interest rate would not increase for a temporary suspension. On the Fed Loan website, there is no information stating that the interest rate would increase in the event of temporary direct debit suspension. I checked under direct debit FAQs and other parts of the Fed Loan website. Today I logged in, and my interest rate has increased .25 %. I called Fed Loan today and they confirmed that my interest rate will increase .25 % temporarily, until my next due date. If this is the policy of Fed Loan, this policy needs to be clearly stated on their website for consumers to be informed when they are making decisions about how to repay their loans. Their customer services agents also need to be better informed and give out correct information to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

XXXX XXXX XXXX  XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-07-08
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX issued a two party check to my ( estranged ) XXXX AND myself. He endorsed the check, and Suntrust deposited it into his personal account, without my signature, or identification. I've talked to Suntrust twice, and am getting the run around and what it comes down to, is them telling me I can go small claims court. I'd like the bank held accountable for not following regulations, and would like the funds put on hold.

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 2019-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After my initial complaint against Transunion the result was still still not verified they keep saying the account XXXX XXXX XXXX XXXX has been verified the company has failed to respond to me under the FDCPA and Transunion has failed under section 609 ( a ) ( 1 ) ( A ) so this has gone far enough class action lawsuit will begin on XX/XX/2019 if not resolved

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 2019-07-08
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was brainwashed and scammed by a con artist who I met on XXXX. He entangled me in a money exchange scheme with my XXXX and Navy Federal accounts. He talked with me everyday for 1 1/2 years then got me to wire him money and also lied about money he transferred on my credit card. It ultimately cost me ~ {$41.00}, XXXX dollars and I had to file bankruptcy XXXX of 2017. 
I now have a potential for fraud risk notation on my consumer report. I filed a police report and had to subsequently file bankruptcy. This has devastated me financially and emotionally. I never thought a person would be bold enough to scam or be dishonest on a military account. I feel stupid, ashamed and guilt. I have never committed fraud and was scammed out of my financial future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Assured Financial Partners
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
they continue to contact family members and leave voicemails stating they are contacting me regarding a civil case filed against me regarding an apartment on XXXX. I do not owe any outstanding debt. I looked up the name of the company online and the number they are calling from and found that it shows they call family, friends, neighbors and/or places of employment ( past or present or both ) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money.

Company response to consumer: Closed with explanation