BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-19
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
We have been trying to pay off my credit card for years. I have called to set up multiple payment plans with discover but everytime one gets set up, a month later I get a call saying there was no payment plan and I owe more interest and late fees that were not supposed to be added to my account. This has been happening for over 2 years and I have wasted a lot of money with payments on this account because I was promised no interest and no late fees, but those two things have erased all of my payments. I have still attempted to contact them to resolve this but they are refusing to work with me at this time and they have locked me out of my online account so I ca n't view the balance. And they are n't sending me my statements. Now they are attempting to get a judgement placed against me because of this issue even though they will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have been having multiple uses with Nissan/Infiniti Finance. They have reported multiple late 's on my credit report that were no accurate. They have removed XXXX of the incorrect items, but as of today they have falsely reported me again. I have reached out to their team once again, but each time they do this I have to spend weeks trying to correct. 

On XXXX XXXX 2015, I made a full payment and their bill matrix billing system did not give me full credit for my payment and again they marked me late. This is separate incident from the previously mentioned false reports, but nonetheless is another issue I have had to deal with. 

Their customer service team is extremely poor mannered and have absolutely no intention of every resolving any issue. I have had a Supervisor as me to provide evidence of payments made, after providing them with their requested information they still did n't fix the issue. 

In my opinion this is the worst leasing company I have every dealt with and I will never lease another product from XXXX or XXXX, period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I have had a Discover card since 1983. I have had to use this card in the past three years for various purchases. I noticed that even making my payments on time and paying just over the minimum, my balance did not seem to go down! At one point I had done a balance transfer to this card only to find out that one month my interest charge was more than my payment!! I cut up my card and sent it back to them. After several attempts to try and get my interest lowered, they wo n't even budge. Now, after making my payment, less than {$10.00} goes to the principal and my minimum payment keeps increasing!!!! I am never going to get this paid and it now has caused me financial issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was enrolled in Paymap 's XXXX beginning in XXXX XXXX for a mortgage serviced by XXXX. In XXXX XXXX, I cancelled the service and moved to a new address. 

On XXXX XXXX, XXXX, I received a letter in the mail regarding Paymap Inc. and Consent Order AP File No. XXXX. The letter notified me of a refund check that was issued sometime within the last year, but which I have n't yet received. It said that a replacement check could be requested by calling the XXXX Customer Service Center at XXXX. 

On XXXX XXXX, XXXX, I called the XXXX XXXX Customer Service Center and spoke with a representative there. She provided me with a claim number, confirmed that my account had an incorrect phone number and mailing address on file, and said that the check may have been mailed to the wrong address. She had no other information available, and told me to send an email to XXXXXXXXXXXX requesting that the check be reissued and mailed to the correct mailing address, which I did. 

On XXXX XXXX, XXXX, I received a secure email in reply from XXXXXXXXXXXX confirming receipt of my request. 

On XXXX XXXX, XXXX, XXXXXXXXXXXX replied with a second secure email informing me that my request was being reviewed. 

One week later, on XXXX XXXX, XXXX, I again called the customer service number provided in the letter to ask for an update on the status of my request to reissue the refund check. Again, the representative had no information available, and referred me to send a request to the email address. I sent another email to XXXXXXXXXXXX, and again only received an automated response that my request had been received. 

Today, XXXX XXXX, I called the customer service number a third time, and was told that they were not handling the refund checks, that they had no information regarding any requests for reissue, and that I should call XXXX, a different customer service number. Calling that number, I was again told that they had no information regarding a request for reissue. The representative told me that he could reissue a refund check, but only if I could provide the check number -- which I do not have, because I never received a refund check. He recommended that I send another request to the email address, which I did, only to receive the exact same automated confirmation email reply that I previously had ... Although not via secure email. 

I am still waiting for information on the status of my refund check, but have no means to get it using any of the contact information provided by Paymap , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: GA
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 have placed my file in the consumer affairs department and refuses to block the fraudulent items that are on my credit report. Every time I call in to request they remove my credit file out of the fraud department, a lady by the name of XXXX XXXX is very rude and tell me it will remain in the consumer affairs department. There are fraudulent addresses and accounts that are on my file the department refuses to block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo submitted false XXXX documents to the IRS on my behalf stating that my monthly Escrow amount was XXXX, when in fact that number is incorrect and does not reflect the balance on hand when they came up with that number. They merely added the insurance and the taxes, without subtracting the balance on hand, which at the time was XXXX and evidenced by Wells own record. 

Tax : XXXX Ins : XXXX Escrow XXXX/12mo = XXXX according to Wells Fargo However according to Wells own Escrow records ( XXXX/XXXX/2015 attached ) there is a standing escrow balance of XXXX. 

Escrow account : XXXX Existing BAL : XXXX Correct Escrow XXXX/12mo = XXXX So It seems I am not only being unfairly gouged, but now they are reporting this incorrect number to the IRS which is affecting my taxes

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 2020-01-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First, I am again for the 11th time ( 1st complaint # XXXX XX/XX/XXXX, 2nd complaint # XXXX XX/XX/XXXX, 3rd complaint # XXXX XX/XX/XXXX, 4th complaint # XXXX XX/XX/XXXX, 5th complaint # XXXX XX/XX/XXXX, 6th complaint # XXXX XX/XX/XXXX, 7th complaint # XXXX XX/XX/XXXX, 8th complaint # XXXX XX/XX/XXXX, 9th complaint # XXXX XX/XX/XXXX, 10th complaint # XXXX XX/XX/XXXX ), writing CFPB because of the BULLYING tactics of Select Portfolio Servicing , inc . In the last writing to CFPB I wrote about the ERRONEOUS AND INTENTIONAL MULTIPLE POSTINGS OF NONPAYMENTS to my account. I have not missed a payment since the beginning of a forced into and account transfer of my account to Select Portfolio Servicing , inc . THE RESULT, THROUGH CFPB, OF THE LAST SET OF HARASSMENT WERE SELECT PORTFOLIO SERVICING, INC. CORRECTIONS MADE TO MY ACCOUNT. Again, I have not missed one payment since Select Portfolio Servicing, inc. corrected my account ( NOT COMPLETELY CORRECTED ), and I have continued and consistent proof. With that noted, Select Portfolio Servicing, from the date of said corrections, has added erroneous multiple months of no payments to my account, as I pay each month. Select Portfolio Servicing is again for the 11th time using the same bullying and harassing tactics, with a letter of default and placing blatant notes on the door of my property. They have ignored the corrections and are again threatening me with these same bullying tactics to FORCE me to refinance with them or sell my home! 
Second, my interest rate has not decreased since I began this loan .... I am called constantly and asked the question, " Why my interest rate is so high when the current interest rate is lower and/or why has this company not offered me the current or a reduced rate. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: SECURITY FINANCE CORP
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I got a XXXX loan in 2008 at security finance in XXXX SC. I made my payments and renewed at a later time. I finished paying the loan and happy ive repaid my 1st installment loan. I remember the first crew that were employed there was terminated for not putting the customers payments toward their account. I 'm not sure if its true but recently applied for a loan at security finance and was told I owe them 350.00+ so they denied me. I paid my loan off and its been roughly 8 years since I 've gotten a loan with them so I do n't have the receipts which I held for 3 years. I really need this balance off my report. Its hurting tremendously. I ca n't even get a glass of water on credit due to their bad actions that got them terminated. Thanks.

Company response to consumer: Closed
Consumer complaint received 2016-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My main issue is stemming from the fact that I applied for a Refi from my Lender and it was completed. After the XXXX Mortgage was Paid in Full the Lender went into my impound acct and took out a PMI payment after the Loan was already showing as paid in full. I was under the impression that the Loan Payoff would have included any and all associated costs with the mortgage. It makes no sense to me that you would pay off a Mortgage and then get a bill for PMI. The Lender stated that the PMI was paid in arrears however at Loan Origination I paid a full year in advance so it seems like it changed at some point. The Lender also failed to obtain the correct amount that was due for Taxes and after the Settlement of the Refi they went back into my impound account and took out money for Taxes that should have been included in the Closing. The Lender has researched and basically stated we have no recourse and tough luck. I do not agree and feel that the Lender is underhanded and not transparent in their transaction not to mention that {$7000.00} in fees to Refi your own Mortgage is predatory. I mean really how can you charge and Escrow and Sub Escrow Fee and then charge a Courier Fee and then another Fee for XXXX. I was under the impression that XXXX was a Courier.

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 2016-05-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After numerous attempts to rectify this issue with both the company and credit report agencies, the final result is my credit report now has absolutely false information. This has just jeopardized my application to an apartment that I was attempting to move into by the end of the month. How can I be reported as 55 ninety day late payments, on an account that was open for approximately 6 months? As a Financial Advisor at a not for profit, I understand a phrase or XXXX being different but factual figures of what is " owed '' should be consistent. Further, how can someone be " late '' on an account that is open for 6 months, ( which equals roughly 180 days ) 55 times at a rate of 90 days each time? Did that get you confused too? That would mean I had a contract with them for roughly XXXX days. So that would mean I was late everyday for 3 years straight. Can someone please tell me with a straight face that this is fair? 
It seems this organization is maliciously attempting to sabotage my ability to access credit which may have stemmed from a previous attempt to rectify this account via the validation method allowed by NY State 's Fair Credit Reporting Act. Their actions if I am not mistaken, are a complete violation of this Act. I have attempted to work with all the companies involved to correct this situation but it only has gotten me in worst of a predicament. I am now in a position where I may not have a place to live since I have to now explain this situation, which I can not, to the apartment management company who has just seen this on my credit report this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, my name is " XXXX XXXX XXXX XXXX ". I have been trying to report about inaccurate items in my credit account but none of my afford has worked. I request investigations on these derogatory account that I list below : **Auto loans** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipted any loans or credit from this company. 
*Credit card* _ XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX how can there be {$6800.00} in a closed and charged off account. DELETE IMMEDIATELY!! 
XXXX XXXX Reported : XXXX. XXXX, XXXX HOW CAN THERE BE XXXX $ IN A CLOSED AND CHARGED OFF ACCOUNT. DELETE IMMEDIATELY!!! 
XXXX XXXX XXXX Reported : XX/XX/XXXX How can there be {$5800.00} in a closed and charged off account. Delete it!!! 
XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be {$230.00} payment in a charge off account. Delete it please. 
_XXXX XXXX XXXX VA Reported : XX/XX/XXXX This account is not mine. I never receipt any credit or loans from this company. In addition, this account is derogatory and obviously demand to be removed as they have {$73000.00} payment in a closed and charge off account. Delete it!!! 
XXXX XXXX  XXXX XXXX - XXXX XXXX  Reported : XX/XX/XXXX Again, all these account are inaccurate, they all try to take my money for something I don't own. {$27.00} in a closed and charged off account. Delete it immediately _XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I do not have a financial obligation with THEM. Please delete this reference on my credit report. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I never own any loans or credit from this company. Provide me full documents or delete it immediately. 
*Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me full information about this collection prove that you has follow all F.C.R.A requirements, including proofs of any writing mail or disclosure as I never receipted any about this collection. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me information that this is my account or delete it!! 
XXXX XXXX Reported : XXXX. XXXX, XXXX I never receipted any credit or loans from this company _XXXX  XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me information that this is my account or delete it!!! 
*** Public records** _Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX This account is not mine. Please delete it as they has a big negative effect to my credit report.!!

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 2017-10-11
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX prior to closing on a refiance i contacted wells fargo, the mortgage holder, to inquire about payoff amounts. I was informed prior to the call that under FHA terms interest was allowed to accrew through the end of the month ; but that interest could be waived and prorated. 

I brought this to the attention of thd wells fargo representative, and she confirmed that they would prorate my interest, as allowed by new fha guidelines. However, after the payment was received I was informed by wells fargo that they would not be prorating my interest. 

They are of course entitled to do so, however they should not be allowed to essentially lie to me about if they are going to. While not a great deal of money, some XXXX $ ; I had planned on those additional funds being availible, because they told me so. This is a company that appears to be continuing to use deceptive tactics.

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 2015-03-21
Company: WELLS FARGO & COMPANY
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX of 2012 I was unable to make full payments on a group of student loans with Wells Fargo XXXX XXXX. The problem arose when in making a partial payment through the Wells Fargo online portal, instead of paying the loan that could have been paid with the partial payment Well Fargo divided up the payment among the XXXX loans and in essences allowed them to be all delinquent. This lead to them assessing late fees on all loans in the group and reporting them to the various credit bureaus. Furthermore, at the time the option to assign payments to different loans in a group had not established ( until very recently ). My problem lies with the way Wells Fargo chose to assign payments to maximize their profits at my expense as well as their convenient use of group loan policy. Previously, on their website they treat loans as a group establishing XXXX payment amount for the entire group but when reporting to credit bureaus and for assessing fees it is every loan for itself. Currently, Wells Fargo has corrected the payment process online, now when you attempt to make a partial or extra payment amount you are given the option to chose which loans to pay. In my mind this is tacit acknowledgment that their previous policy was wrong and detrimental to their customers. For me the damage is done, however the remedy I seek from Wells Fargo and I have reach out to them in this regard is the removal of at least 1 of those late payments from my credit report. This would provide some relief from the flawed methodology that Wells Fargo used that I personally had no control over. I have prepared a letter to send to Wells Fargo to express my concerns but I have launched this complaint because I suspect that I am not the only one who has suffered this faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was compromised. I receieved a letter from XXXX letting me know my was XXXX of the acccounts with identity theft. I am working along with XXXX to restore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed in prior disputes with Equifax concerning the Bankruptcy Case # XXXX was never discharged the discharge was waived. IT did not discharge and needs to be removed from the credit report. Equifax is not investigating what I am asking them to investigate they are just going by what they have in their system and that 's that. Even if what they have in their system is wrong. They 're blatant refusal to to make the correct changes as they are supposed to by law is very concerning to me. It needs to be rectified correctly and immediately. Please fix the problems correctly. I have attached the letter that I received from the bankruptcy court and I have also attached a copy of Equifax credit report showing the incorrect status and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Billing statement

Complaint:
I was looking over my statements and realized Wells Fargo bank charged my account a late fee and a finance fee after the bill was paid in full for the XXXX Statement on my WF Business Credit Card. I contacted them regarding this and a XXXX XXXX ( Employee/Location ID XXXX ) advised that they would not refund the financing charge as it was a violation of the credit agreement which is not the case as this credit card is PAID in full every month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief