BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-27
Company: DISCOVER BANK
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Discover cancelled XXXX of my charge cards followed XXXX CD 's and finally my checking account at the time my credit score was over XXXX and had no issue with the banking I sent them letter and they called and told me it was a business decision. I am turning XXXX in XXXX could this be age discrimination. I have a copy of the letter I sent if you would like a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: OPORTUN FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XX/XX/2022 Oportun Credit Card/ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX, NC XXXX ( XXXX ) XXXX / ( XXXX ) XXXX To whom it may concern ; Hello. My name is XXXX XXXX. I am writing to lodge a formal complaint against the Oportun Credit Card issued by XXXX XXXX. 
I have been an approved member of the Oportun Credit Card for a number of months ; however, I still have yet to receive a Credit Card via the United States Postal Service mail. 

I have spoken with the outsourced Oportun Credit Card customer service center many times and have been told each time that a new card would be issued. 
I still do not have a credit card to use. 
I have filed numerous XXXX XXXX XXXX complaints as well, to no avail or response from Oportun. 
Since the opening of the credit account, Oportun has charged me {$29.00}, labeled as an annual fee. I believe this is a case of credit card issuer fraud. 

I am hoping that this complaint to XXXX XXXX  will be able to resolve my plight. 

I am a member of other XXXX XXXX  credit products- in good standing. So, it is very troublesome when I think of the piss-poor service that I have received from Oportun. 
I would recommend that XXXX XXXX  rethink their relationship with this card issuer, if they do not have the skillset to professionally operate their business to high consumer standards. 

I am demanding a fee-free expedited delivery of a credit card to my home address, to be delivered via XXXX or XXXX at once! 

I expect to hear from XXXX XXXX or Oportun via telephone call immediately upon receipt of this complaint. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have called Fay Servicing and emailed them numerous times over the last 45 days about my homeowner 's insurance. They currently escrow for my insurance but to date have still not paid my homeowner 's insurance. Since they have not paid, the insurance companies have canceled my insurance on the property. My insurance broker has also reached out numerous times and still, we have not been able to get Fay Servicing to send out payment for my insurance. I am not sure what else can be done at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
I am writing to your agency because I am very disappointed in the way Discover handled my case. I tried to re open XXXX cases with them : XXXX and XXXX charged by XXXX and XXXX XXXX XXXX. They would not re open it, I understand that I missed a deadline but I called them to explain that I have XXXX XXXX. I am currently in XXXX, It is hard to keep up with my mail. I am dealing with XXXX and XXXX. All this is overwhelming. I ca n't believe they are doing this to me. Where 's the compassion? I am asking your help to please try to re open my case, I was going to respond the letter to Discover when I saw the date was due already, then I called them on XXXX XXXX and they denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX was hired to remove negative items from my credit report. Trans Union, updates my report with the same items that should have been removed. Also, they are consistently dropping my score, when I use my credit! When I pay them off, my score still barely moves up. I will never be able to improve my credit with this process.

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 2016-12-30
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
Last year around XXXX i went to Car Hop. A Buy here Pay here car lot. they told me i could put any amount of money down and drive off with any of the selected cars i was approved for. They did not tell me the price until i signed the papers. at the time i was in desperate need because i had to get back and forth to work and school. i did n't have any help but never wanted to put myself in a fix. And at the time i was only XXXX. But i ended up picking an SUV i found interest in. I asked the price but they ignored the question. so i just followed through because i was just excited that i got approved. After i signed the papers i asked the price again and they ended up telling me it was {$8000.00} almost {$9000.00}.! but at that point i could n't bag out because i already signed paper work. If they would have to me the price when i first asked i would n't have ever purchased a 2003 XXXX for that price. so that 's the first way Car Hop had gotten over on me. Second i 've had complications with this SUV since i first got it. the altinator always go out, the tires always blowing up and i put my life in jeopardy driving on the highway because of this. I 've put more money into this car than anything! Last, now since they 're closed down ( and the car is down now as i speak ), im trying to get another car but i ca n't. Everything car lot tell me that Car Hop put me in a bad position because first they put A LOT of interest on the car plus they over charged me, plus they messed up my credit. Im only XXXX and cant get nothing because of the broken SUV that 's on my name. Every car lot tells i would have to get a second loan or they will have to add the rest of the SUV onto my new car ( making my new car note $ XXXX {$500.00} ) and i feel its just unfair. i need to get this car off my name. I need money or for Car Hop to get this car off my name. I 've been patient for so long but its got to a point where it 's ruining my life!! im only a college student with a full time job. I cant get anything or get approved for anything in my name because of an over charged car with high interest from Car Hop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple letters to credit agencies as well as the debt collector detailing this is not my debt that is on my credit report with no replies or removal. 

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 explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This inquiry was unauthorized and should be removed ASAP ( XXXX XXXX ( Finance ) XX/XX/2021 ) The company has not responded to me and it has been over 30 Days

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 2015-08-08
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2015, we terminated our service with XXXX/XXXX and returned our equipment as directed. We were told we would receive our final bill shortly. On XXXX XXXX, we received our final bill from XXXX for {$51.00}, after the applied credit to our account of {$130.00}. The bill due date was XXXX XXXX, 2015. I immediately paid our bill on XXXX XXXX for the amount owed. On XXXX XXXX, 2015, I received a call from XXXX demanding payment of the {$51.00} plus fees totaling {$67.00}. I explained to XXXX we were NOT delinquent and had paid the bill on the date received. XXXX said we need to take it up with XXXX. We called XXXX and attempted for for over XXXX hours, most which was on hold to talk to someone who could straighten this out as my credit is now negatively affected. Customer service agents pulled up our account and said they did n't understand why we were referred to a collection agency. We never received an answer, we referred to several departments within XXXX including " Internal Collections '', none of who could answer why they referred our account to collections. 
This illegal act by XXXX is outrageous and callous. We have been good customers, always paying our bill XXXX days ahead of the due date, now we have this attack on my good credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Unable to obtain a copy of 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 2022-05-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a call from the Chase Bank customer service number. The " representative '' informed me there was suspicious activity on my account and instructed me what to do to reverse it. Turns out I was tricked into sending {$2000.00} through the XXXX app which I had no idea was a separate entity from Chase bank even though it's on all their platforms. Chase has done zero to help and has treated me more like a criminal than a victim. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX Chase customer. This is a lot of money for me and has made an already hard living situation much, much more difficult. I'm disgusted by how I've been treated by this bank but at the same time changing banks right now would turn my life even more upside down. Included is the call record from the Chase number that called me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-30
Company: Netspend Corporation
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received XXXX suspicious emails from NetSpend regarding a debit card account that is held by a complete stranger. They refused 4 times to connect me with their Fraud Department in order that I may ask them to look into the matter. It appears that they are unconcerned with potential fraud within their accounts, and suggested that my local police should be responsible for any investigation. I consider this negligence on the part of NetSpend, and think they should be required to clean up their affairs!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: DISCOVER BANK
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Got a Discover Personal Loan XXXX, 2016. Said the rate was between 7.5 % - 19.99 %. They were never actually going to give me a decent rate, even though my FICO was XXXX. Told me the only way to get a better rate was to have my account debited automatically. Got a 16.99 % rate. Told me there were no processing fees, but examining the loan, I realized there were fees. They added up to over {$700.00} over the life of the loan. So they reduced my rate to 16.96 %. I paid an extra {$1000.00} in XXXX and again in XXXX. Even though I have made these extra payments, they continue to state that my loan will only be shortened by a few months. They say that the loan is a simple interest loan, but when I do my loan online - XXXX, etc. more of my money goes to principle than it does with Discover. I just got my XXXX bill, for XXXX, and I am being charged {$10.00} more in interest, than I was on My XXXX bill which was for XXXX. XXXX and XXXX have the same number of days in the month. I also pay {$27.00} more than what 's due each month. I am very suspicious of this company 's loan manipulations. I know they just been in trouble over their student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today 's date is XX/XX/2019. 

ISSUE - NEWREZ and acquired XXXX 's mortgage loan servicing business. 

NEWREZ says, and I quote Welcome, XXXX Homeowners! 
The servicing of your mortgage loan will soon transfer to NewRez. We look forward to working with you and were dedicated to providing you with exceptional service. We understand that a servicing transfer can lead to a lot of questions. 

To help you through the transfer process, here are several key dates and some answers to common questions : Dates Events XX/XX/2019 The servicing of your mortgage ( collecting your payments, paying your property taxes and homeowners insurance bills, etc. ) transfers from XXXX to NewRez. We can start accepting your payments, but we wont be able to process them for at least 7 days. You will still be credited for the day you make your payment. 

XX/XX/XXXX XXXX Well be loading your mortgage information into our computer systems and testing the data for accuracy and completeness. NOTE : During this time, well be able to access only a limited amount of information about your loan. 

XX/XX/XXXX Your loan will be fully active on our systems, and well be able to process your payments. Weve also created a set of helpful online tools that can make managing your mortgage simple and easyall you need to do is set up ( register ) your online account. 

SO - on XXXX the loan was supposed to be " fully active on our systems ''. 

Three days later NEWREZ has no record of my loan - it isn't active in their systems. NEWREZ lied when they claimed it would be on XXXX. 

On or about XXXX, XXXX I called NEWREZ only to be informed, by their agent, that, wait for it ... 

" THE LOAN IS NOT ACTIVE '' The consequence of which he stated that NO INFORMATION is available and NEWREZ can not process a payment The agent changed the web story above to says that it takes, " about 10 business days ''. 

Not what is on their web splash page Well that's not what NEWREZ 's website has published and what customers are counting on AND IN THE MEANTIME XXXX HAS RETURNED MY XXXX MORTGAGE PAYMENT, TRANSMITTED VIA XXXX ACH ON MY BEHALF. 

So I SMELL AT RAT NEWREZ has already started down the road to late fees, charges and derogatory credit information. 

All NEWREZ seems interested in is initiating a new loan to refi my existing loan.

And guess what? I called NEWREZ and they said they had a better new loan than my 4.25 % loan with 13 years remaining. Fees? Oh they said the fees would be made up with my savings on the new loan. Can you belief this pile of horse feathers? 

What a scam! 

FINALLY XXXX is the poster child of poor customer service and has numerous anti-consumer consent agreements which bolster this position. They are the other side of this transaction and may well be complicit in this problem. 

None the less it is NEWREZ who is the bad actor in this case.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm a XXXX year old single mother. On XXXX XXXX, 2016 I called my bank at XXXX XXXX to check on my account balance. I have a checking account at XXXX that my mother 's name is attached to. Her name is only a secondary on the account, if anything were to happen to me. She has never once in all the years that I have had this account had any of her checks deposited or taken money out, she does n't even have a card to the account. When I called for my account balance it stated that is was frozen with an overdrawn balance of {$15000.00} due to my mother having debt with Discover Bank. I have over {$6000.00} saved in that account for my son and myself and Discover Bank said because my mother 's name and social security number are attached to my account that they can take all of my money and not leave my son or myself with {$1.00}. All of my {$6000.00} are still in my account but it is untouchable until XXXX XXXX decides if they will release my money to Discover Bank to cover my mothers debt. My mother owes {$21000.00} to Discover Bank and they filed a law suit using XXXX XXXX XXXX XXXX as legal representation. I can 100 % prove that all money being deposited in that account is mine and has nothing to do with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: GA
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:
Good day. I am soliciting your help on resolving this very important matter. On XX/XX/2022. I sent out a letter to XXXX XXXX disputing the validity of the bankruptcy they are reporting on my credit report. They replied with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX myself to dispute the item in question and as a result XXXX XXXX could not verify this and as a result they removed it from their database. See attached documentation stating this removal. Also, I have attached supporting documentation from the United States bankruptcy court stating that they do not provide information to any credit reporting agencies. 
I went back to XXXX XXXX on XX/XX/2022, with my 2nd dispute letter and showed them the deleted bankruptcy from XXXX XXXX as well as the letter from the bankruptcy court stating that they do not provide information to any credit reporting agencies. I informed them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home as a single parent with XXXX kids and causing me to pay thousands more a year in home rental and missed tax breaks incentives. Removal of this will help assist me in a situation that is much bigger and important then me. Thank you in advance. 
This item with all due respect needs to be deleted from my credit report within the next 30 days would make life better for me.

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 2020-06-09
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:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

I have attached a police report and an FTC report for identity theft.

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