BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery is still hounding me about a XXXX XXXX REward Zone MasterCard account. The account was mine, HOWEVER, I had full coverage of payment protection plan for that account and completed the application for total dismissal of the entire debt due to illness and XXXX. I carried that insurnace on all of my credit cards, XXXX of which were XXXX at the time. I was working, contracted XXXX, became too ill to work and was put on total XXXX. I was found to be XXXX by the social security administration besides my XXXX doctors and you do n't get that unless you are nearly on your death bed, which I was. XXXX should have never sold my accounts as collections. They had all the information through the insurance company. This was from XX/XX/XXXX to XX/XX/XXXX even into XX/XX/XXXX by the time i took the year long XXXX. Although cured, I remain XXXX. XXXX and their insurance company kept losing my information, had my accounts a mess and none of the accounts should have ever gone into collection. I have suffered a great deal over all of this. I have told this to Portfolio Recovery numerous times over the past years. They could look at a statement of mine and see that I paid for the payment protection plan every month. They are now showing a balance of {$1500.00} on my credit report AGAIN. This has caused a great drop in my credit score. I am not denying the account I am disputing any balance whatsoever. Due to being a victim of XXXX presidentially declared disasters in XX/XX/XXXX, XXXX and XXXX ( FEMA disasters ) XXXX XXXX and XXXX XXXX from the floods in Texas, I have lost my home and any paperwork and documentation. My home is still unihabitable and there is no way to prove any of this as it is so old anyway. Portfolio Recovery already has a classaction lawsuit for their behaviors and I believe the CFPB filed a complaint. I received a postcard to complete in order to join the lawsuit so this type of behavior from them should not be surprising. I want this removed from all credit bureaus and any credit card companies that show credit scores. I will not deal with them on this type of level again and am not opting to join the class action suit so that I may pursue this myself if need be. This has kept me from being able to get a home repair loan so that I can live in my home again. I have lost everything except some clothing and a few odds and ends and my vehicle. Starting over at XXXX years old on very little income and being XXXX where I ca n't do much of the physical work myself is a nightmare. Thank goodness I was able to supplement my income a bit with online income but I am still in the low income bracket. They need to leave me alone, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my crredit 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 2020-08-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a XXXX XXXX account, a XXXX XXXX inquiry, and an address on my reports that do not belong to me. I never opened this account or used it. I disputed this with the 3 credit bureaus on XX/XX/XXXX but to no luck. XXXX  told me they couldn't locate my file and to send a copy of my ID and Social Security card. I already sent them both items as well as my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. XXXX  is just making excuses to avoid doing their job. I never even received a response from Experian or XXXX  so they are clearly avoiding their duties as well.

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 2017-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company continues to report and attempt to collect on a debt that I paid in full over a year ago. The original creditor was XXXX and they are no longer attempting to collect, because I paid the debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: PlusFour, Inc
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After having XXXX removed from my XXXX with a doctor flown in from XXXX to XXXX my insurance paid for the procedure. It was a couple of weeks I went back in for a check up, and the local Doctor saw a XXXX on my forehead, he froze it and could n't make up his mind which XXXX it was. He tried to say it was the same one " XXXX '' but it was not. I later get a bill from him which my insurance refused to pay. He is a quack and tried to charge me for something that was untrue. I refuse to pay for a bogus charge.

Company response to consumer: Closed
Consumer complaint received 2021-08-10
Company: FinCo Services Inc DBA Current
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
current bANK has stolen {$4.00}, XXXX  from me i have proof attached is conversations between ; current bank and i as well as XXXX XXXX and i. i will be seeking a lawyer to prosecute all parties named will be held personally accountable for their role in this debacle of my livelyhood. THE MESSAGES MAKE IT VERY CLEAR THAT THEY HAVE TAKEN MY MONEY THIS IS A RECORD THAT WILL BE HELD AS PRIMA FACIE EVIDENCE IN COURT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Alorica Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I answered the phone and they continusly asked for my direct banking informationand kept demanding I give them my routing number and account number.. I explained I would not give that info, nor would I give my address without them giving me more information.. They call nonstop at all hours.. I explained that if they would mail me something verifying who they were, who the debt was from and the amounts I would work on paying it.. They again wanted me to give them banking information and set up automatic debit.. I again explained once debt was verified in writing I would set up payments but would NOT give them banking info..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I contacted the banks Claims Team to file a complaint against a merchant. Once the claim process was complete and the bank agreed with the merchant I was shock in disbelief due to the decision was not based on facts. I expressed my concerns to the banks highest level of customer service and other branch management members. I also explained and told the bank that the merchant will and have resolved ( returned my over payment ) resolved this issue. Instead of the management team taking this experience and using it as a training tool, they ultimately called my work number and told me my account would be closed due to me filing over XXXX claims in over 11 years with various merchants. This was never an issue and was never brought to may attention until I complained about the unprofessional behavior of a few employees. The employee responsible for all of this negative interaction left a personal voicemail on my workplace phone detailing how he intended to close my account. As a result I have had several NSF check/electronic transactions returned unpaid. Retalliation is not the way to treat customers.I have all the names and contact number for all the employees involved. When I asked for a higher authority at the corporate level my request was denied and the now new manager of customer service said she as their to protect the regional designee from harm. I did n't understand this position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a XXXX XXXX account, a XXXX XXXX inquiry, and an address on my reports that do not belong to me. I never opened this account or used it. I disputed this with the 3 credit bureaus on XX/XX/XXXX but to no luck. XXXX  told me they couldn't locate my file and to send a copy of my ID and Social Security card. I already sent them both items as well as my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. XXXX  is just making excuses to avoid doing their job. I never even received a response from XXXX  or TransUnion so they are clearly avoiding their duties as well.

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 2016-02-24
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wetman, Weinberg, and Reis Co., LPA have called me repeatedly. They use automated calls that leave long messages on my answering machine. They are looking for somebody. I am not that person, but to get the phone calls to end, they want me to call them back. I should not have to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was a victim of credit card skimming, the information on my card was used to make multiple charges on my account in less then 24 hours, I don't even live in the same state these transactions took place and my bank isn't doing anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent a letter to NATIONAL CREDIT ADJUSTERS , LLC about a alleged debt of XXXX $ that they are reporting negatively on my credit that i dont owe.i have never done business with them nor do i owe this debt. i sent the letter out usps certified mail on XX/XX/2021 w/tracking # XXXX and they got it on XX/XX/2021 and has not responded to me.please get this inaccurate item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I learned that our mortgage company reported the month of XXXX 2016 late to credit reporting agencies. We have paid all of our monthly payments timely, in XXXX parts, each month in the full amount due. I review the transaction history online on a regular basis, and each month, including XXXX 2016, showed {$0.00} owed for the monthly payment and a reduction in our principal balance. I have since been advised that the mortgage company, Specialized Loan Servicing, alleges to have increased our monthly payment from {$5000.00} to {$5300.00} claiming an " escrow shortage. '' I did not receive notice of this change. I have since found buried in the statement history an unintelligible letter which in small print, after several charts, notes an increased payment. However, the webpage still showed the original payment amount and both XXXX and XXXX 2016 I paid the original amounts and it showed a {$0.00} balance. Nonetheless, without warning, and without advising we " missed '' the extra {$200.00} for XXXX and XXXX 2016, SLS reported us late. This has decimated our credit, and eliminated any chance of our refinancing this loan. Clearly our history shows we believed we were paying our payment in full, and on time, as we had been. This negative reporting and sneaky attempt to increase our payment ( just 8 months into the loan ) is improper. After all, should n't SLS have to provide a valid reason for adjusting our payment when they decided the amount necessary for escrow? Should n't they have to provide conspicuous notice of the change? Should n't they have to let us know the problem and give us a chance to cure it before reporting to creditors? This is outrageous, and significantly stressful. We have been working diligently to put us in position to refinance - and just got denied and discovered these unfair and underhanded 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 explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX NM XXXX, Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX NM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Specialized Loan Servicing ( SLS ) claims it did not review my updated profit & loss statement that was submitted during the modification review process because it was signed electronically. 
SLS acknowledged in letters to me dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, they received my updated profit & loss statement on XXXX XXXX, XXXX and it expires on XXXX XXXX, XXXX. 
SLS never contacted by email, phone or in writing that there was any concern with the profit & loss statement. I contacted SLS and talked to their representatives through out the loan modification process many times and was never informed of any concerns about my updated profit & loss statement that was in their possession. 
Moreover, In the State of New Jersey - NJ Rev Stat 12A:12-7 ( XXXX ) - Legal effect and enforceability. A record or signature may not be denied legal effect or enforceability solely because it is in electronic form. A contract may not be denied legal effect or enforceability solely because an electronic record was used in its formation. If a law requires a record to be in writing, an electronic record satisfies the law. If a law requires a signature, an electronic signature satisfies the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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:
Heres the problem the following accounts orginated from my identity being compromised, therefore they are fraudently reporting on my credit file. And this has emotionally and mentally challenged me, Therefore, Im demanding the remove of these accoints. 

1. XXXX XXXX XXXX {$870.00} 2. XXXX XXXX {$1500.00} 3. XXXX XXXX XXXX {$1000.00} 4. XXXX {$710.00} 5. XXXX XXXX {$22.00}, XXXX 6. XXXX XXXX {$100000.00} 7. XXXX 8. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Berlin-Wheeler, Inc-MO is apparently a collection agency. They are reporting a {$50.00} collection from my primary care physician XXXX XXXX XXXX. My doctor requires all co-payments be made at the time of visit as this {$50.00} was paid. I 've returned to my physician many times since then and they have never inquired or requested {$50.00} as stated. The contact information from Berlin-Wheeler is XXXX. XXXX XXXX in XXXX XXXX, MO XXXX. XXXX : XXXX and use account # XXXX. Also use Address ID # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National credit systems-XXXX XXXX. account XXXX This is stolen identity. I have filled all of the necessary paperwork including a police report and reported it to the federal trade commission as well. The amount was for XXXX. This is not my debt. I have never even lived in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a letter from XXXX consumer services of an agreement from XXXX for a modification on my Home Equity loan dated XX/XX/XXXX. The modification was for 2.00 % fixed for 240 months. Recently XXXX sold my loan to SLS ( Specialized Loan Servicing ) SLS is stating that my interest rate was 2.00 % and now going to 3.25 % because it 's a variable interest rate. I was under the impression that i had a loan modification for 2.00 % fixed for 240 months. Can you look into this for me or let me know another contact? My contact previously was XXXX XXXX XXXX PH : XXXX and i 'm not sure if he 's still at XXXX. I also have a case number from Consumer Financial Protection Bureau ( CFPB ) case # XXXX that was in a letter sent to me by XXXX XXXX. SLS has also not explained why the interest rate has moved up from 2.00 % as the prime rate has n't changed for a few years and it 's still 3.25 % according to XXXX XXXX XXXX prime rate By XXXX as of XX/XX/XXXX. I 've been paying at 2.00 % interest for years with XXXX before they sold my equity loan to SLS. I 've contacted XXXX and SLS with no resolution. My last contact at XXXX was on XXXX XXXX XXXXXXXXXXXX. Workflow Supervisor Lending Services-default Management XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX ( office ). He emailed me stating that he would send the settlement information from XXXX to SLS, in case SLS misplaced the modification. I asked for a signed copy of it and have n't got a response from him. SLS customer service number is : XXXX. Left message and they have n't got back to me either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Escrow of the West
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Thru the purchasing of a new condominium thru auction I was required to pay to Escrow of the West my first and second half property taxes for 2014. The second half taxes went unpaid due to Escrow of the West refunding another homeowner my tax money into this homeowners impound account. Escrow of the West instead of making another payment for second half taxes is relying on this homeowner to make my payment. It is very unethical since I have no relation to this homeowner and they do not represent Escrow of the West. I gave Escrow of the Weat the money to pay the taxes and they have not followed thru. The taxes are delinquent and I need this resolved asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I recently pulled. copy of my report and noticed several inaccurate and erroneous items being reported. It caused me to do some additional digging and I noticed my information has been compromised in the Equifax data breach. Now more than ever I believe my information has got into the wrong hands. I have sent several messages to each bureau with no response. I also saw it is illegal to report inaccurate items per 15 usc 1692. Please assist in prompt removal

Company response to consumer: Closed with explanation