BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-03
Company: Unisa, Inc
State: CA
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:
Every now and then when I make a payment to my student loan account with UNISA, the payment never reflects as being posted to the account. 
I have to contact them and let them know that a payment has been made and that my balance has not been affected. At first I was told that this was an issue with the new site. 
Although this has happened several times in the past. When I e-mail them to see what my balance is they tell me it is a balance that does not match up with what the site reads. 

Sometimes the payment that I have made will show up on the site, it just wo n't affect my balance until I reach out to them. 
Sometimes the payment does n't ever show up on the site until I have to e-mail them to follow up. Every time I reach out to them they swear up and down that everything looks good on their end. 
But the information that they have never matches the site. Something is definitely going on over there. Either someone is manually entering everything on this site or these people are trying to steal from XXXX students that do n't pay attention to their finances. 

Please Help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Alliance One, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested debt validation 2 times in the last 6 months by mail to : Alliance One Recivables XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have not received and notices or updates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Thank you for taking the time to review my complaint against the builder of our home, XXXX XXXX, a subsidiary of XXXX XXXX XXXX, as well as Lennar Mortgage. This is our third new build and have never experienced the level of negligence, inattentiveness, and overall incompetence that Lennar has exhibited.

We purchased our home for {$460000.00} which was approximately XXXX XXXXXXXX over asking price and were forced by Lennar to close on the house on XX/XX/26 or else Lennar mortgage was going to extort more money out of us to keep the rate locked. They already did it once prior by delaying our close and making us pay to extend the rate for the XX/XX/26 closing. In addition, they scheduled the walk-through only minutes before closing, forcing me to rush through or risk miss closing. As a result, there were items that I had to follow up on incessantly to get addressed after closing. Nonetheless, it is now exactly two months later and we havent received our shower enclosure, nor any date for its delivery. This is only one facet of the XXXX Lennar has put us and many others in our neighborhood through. Nonetheless, we just want a complete home or, at a minimum, proactive communications from them as to a date for an install. Also, whoever issues the local certificates of occupancy should be investigated as there is clearly either a break in the system or there have been bribes/payoffs from Lennar. Theyve delivered countless incomplete homes that range from highly inconvenient to 'hazardous-to -- occupy '. Ours was latter until approximately 45 days after close. 

Needless to say, their ( in ) actions continue to result in emotional distress to both my wife and I. We appreciate anything you can do to help bring resolution to this matter. 

Regards, 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 2016-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed a tax lien in the amount of {$740.00} that has been paid to the North Carolina XXXX. The debt was paid on XX/XX/XXXX. They indicated they investigated and information is correct. However that is not correct. The NC XXXX also garnished the money from my account and then added a lien which is too not legal. I would like the debt removed from my credit report as well as deleted from the public record.

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 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX alerted me to a change in my credit report. When looking into this, I noticed I had several hard inquires that were removed from my credit report get added back on.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score remains at the same or lower number, and will not go any higher than XXXX no matter how long l follow the designated rules. Please can you help me find out why this is happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've tried several times to get my credit report from all of the credit bureaus. However, they then ask me for copies of social security and driver license. I've sent them XXXX different times. Still over XXXX years have not got them. I'm not sure what else to do. I've tried to do it on line but each time denied. I had to report identity theft since 2016. Reported to federal trade commission. Don't know if that has anything to do with it. Would appreciate any help.

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 2015-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: National Commercial Services, Inc
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX XXXX someone. I do not believe my XXXX anyone. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on Ja

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: HW Holding, Inc
State: KY
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:
This company keeps harassing me when I did not have any type of business with them not have I ever given them my information, I also have never given anyone else or any other company the authority to give out or sell any of my personal information. They also keep changing the amount on this collection and keep reporting it to the bureaus falsely and incorrectly every week. Get this mess off of my 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 2022-10-26
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to inform you of accounts that are inaccurately reporting false information. The accounts in question are related to the creditor, XXXX. I have contacted the credit bureaus ( XXXX, XXXX, and XXXX ) on numerous occasions along with contacting the creditor, XXXX and debt collector- Cavalry Port. To date, I have yet to receive a response from either companies. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

The creditor and debt collector has yet to provide a response to my initial complaint.. However, XXXX, XXXX, and XXXX continue to report these accounts as derogatory item ( s ) on my credit report. I have provided all supporting documentation to XXXX, XXXX, and XXXX requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : 1. ) Correspondence sent to CAVALRY PORT via certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Refused to remove inaccurate information from my credit reports. 
Also information is over eight years old.they also refused to provide copies of original contracts or statements to prove validity of said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Paramount GR Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Goodleap is a partner of XXXX XXXX, aka XXXX XXXX. 
We have raised concerns to Goodleap for multiple months about XXXX XXXX and the fact we were not provided the service we were expecting and we paid for. 
Goodleap has never done anything to help and has continued its partnership with XXXX XXXX and. now that XXXX has filled for bankruptcy and we can not get the service we paid for, we asked Goodleap for help and they totally refused to provide any support. 

We signed our contract with XXXX XXXX XXXX XXXX XXXX XXXX ) in XX/XX/2021 and the loan automatically started ( {$73000.00} ), the solar system was installed in XX/XX/2021 and, despite the electrical installation had not been performed ( solar panels on the roof only ), GoodLeap started charging us, even though we explained multiple times there was a problem and the loan should not have started. 
Over the next 15 months, we contacted GoodLeap multiple times since our solar installation was not providing near what it was expected to ( less than 20 % of what we were promised ). 

Today, our system is still not performing and GoodLeap is not doing anything to assist, we will therefore have no choice than to stop our payments ( sections XXXX and XXXX of the contract we signed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
IVE BEEN DISPUTING A FEW ACCTS ON MY CREDIT BUREAU ( TRANSUNION ) AND THEYRE NOT FULLY INVESTIGATING THE ISSUE IM A VICTIM OF IDENTITY THEFT IVE PROVIDED FTC REPORT, IDENTITY THEFT REPORT, XXXX LETTER FORM XXXX, STATING ALL NEGATIVE ITEMS ARE TO BE REMOVED AND BLOCK BECUASE IM A VICITM OF IDENTITY THEFT AND ITS BEEN 4 MOS AND NOTHING HAS BEEN REMOVED OR BLOCKED FROM MY CREDIT IVE DISPUTED THESE ITEMS FOR LAST 4 MOS AND STILL NO RESULTS AND IM THE VICTIM NO ONE HAS VALIDATED THE DEBT PROVING ITS ME BUT IVE PROVIDED ALL DOCS TO PROVE ITS NOT ME AND CREDITOR SAYS THEY BELIEVE ITS ME BUT NOONE HAS PROVIDED ME WITH ANY DOCUMENTATION TP PROVE ANYTHING BUT IM THE VICITIM BEING PENALIZED WITH NEGATIVE ACCTS AND ERRONEOUS ADDRESSES IVE NEVER LIVED AT OR REQUESTED UTILITY SERVICES AT THAT IM BEING CHARGED FOR WHICH IS VERY UNFAIR TO ME AS A CONSUMER. XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX HAVE NEVER VALIDATED ANY DEBT TO ME AND IVE ASKED SEVERAL TIMES TO BE PROVIDED INFORMATION ON ALL THESE ACCTS 4MOS LATER STILL NOTHING BUT NEGATIVE REMARKS ON MY CREDIT REPORT THATS NOT FAIR TO 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 2022-10-26
Company: Telsa Motors Inc
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We got a loan for solar panels in 2016. The company that installed them subsequently was purchased by tesla inc . They filed XXXX separate liens against our property for XXXX piece of equipment. They are refusing to terminate the earlier liens and this is preventing us from accessing refinancing on our home because the title company just sees XXXX liens on our property. We have spent days trying to sort this out with them and they want us to pay them {$150.00} per lien to correct their filing mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unfortunately my mortgage loan was transferred to Specialized Portfolio Servicing several months ago. My online mortgage statement has been incorrect ever since my mortgage was transferred to them and it is still incorrect. I don't know if they are incompetent, or just dishonest. I have never missed a monthly payment with them, nor with the previous mortgage company, and my bank statements are evidence of this fact. My current statement claims that I did not make a payment for the month of XX/XX/22 and this is not true. 
SPS received the payment. The XXXX payment is scheduled for XX/XX/22. In addition, there is an overage in my account for several XXXX XXXX  which they claim they can not send me because my account is overdue. My account is NOT OVERDUE. ALL PAYMENTS HAVE BEEN MADE. They know this and I have the evidence to prove it. I am getting really tired of the games this company plays every single month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Reference : Coinbases transfer to a FRAUD SCAM Brokers : XXXX XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX EUR! 
I would also like to point out that on XX/XX/2019- I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband was out of work for over 18 months. We fell behind on the mortgage by a few months. The bank told us we could make partial payments which we did but they did not tell us the funds would not be applied to the mortgage until a full payment was received. My husband started work XX/XX/XXXX. We fell over 120 days ( since they were not applying funds ) Now they will not accept payment, our credit is plummeting and the debt mounting. We have applied for modification 3 times starting in XX/XX/XXXX.  Chase has consistently made errors on the application, not returned phone calls, is vague when answering questions, difficult to reach and only offers 2 solutions -- foreclosure or short sale. Chase 's latest letter XX/XX/XXXX does not even give a reason for the denial of a request for mortgage assistance. Chase did not include my income on the application even though they had my pay stubs. Chase also has our net income at XXXX cents a month. When we questioned this, Chase told us that it did not matter.???? What is going on??? Chase has been incompetent in handling this application and has made a difficult situation worse. We can now afford to pay the mortgage and what should have been an easy solution has now become a mountain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Self Financial Inc.
State: DE
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 XX/XX/2022 I called SELF Inc. to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/2010, we completed a short-sale on a home we had financed with PNC Mortgage. I am enclosing a copy of the HUD-1 from the mortgage settlement. Despite the fact that this occurred over 7 years ago, PNC Mortgage continues to report this mortgage and a balance owed. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: Stevens Business Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A XXXX, XXXX, has been attempting to collect debt I do not owe for over 5 months now. 
My physician 's office, The XXXX XXXX XXXX, is responsible for this debt. 
I have provided a receipt showing that I paid The XXXX directly for the services rendered by XXXX on XXXX/XXXX/2016, which I explained in a fax to XXXX dated XXXX/XXXX/2016 and subsequent phone call on XXXX/XXXX/2016. 
On XXXX/XXXX/2016, the secretary at The XXXX XXXX XXXX also confirmed with XXXX that this bill was sent to me in error. 
I have explained the situation again in a letter dated XXXX/XXXX/2016 in which I asked XXXX to stop all communication with me about this debt. 
XXXX never acknowledged any of my communications. 
On XXXX/XXXX/2016, I received a communication from debt collector, Stevens Business Service. This now feels like harassment and poses a threat to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: General Motors Financial Company, 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:
This company refused to removed this information from my credit even though my credit information was stolen.

Company response to consumer: Closed with explanation