BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sold 3 more times. All while interest upon interest has been adding up for the interim XXXX years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had an interest only loan in XXXX and the loan principal was due in XXXX. We got further behind on our bills. We were told to stop making payments in XXXX to get a possible modification on our loan after filling out numerous applications and being denied. We were forced to file bankruptcy because we got so deep in debt during this time. Our bankruptcy required us to make our mortgage payments to Wells Fargo during the repayment process. We made payments every month in the amount of {$1900.00} as part of our XXXX XXXX for 5 years. During that time we were told to keep trying to the modification process. We did exactly that. Once they actually foreclosed on our home which was illegal at that time. It got reversed. At the end of our bankruptcy we had gotten strung along with the modification process. We were forced to short sell our house. During this process, we found out Wells Fargo closed our home loan in XXXX when we filed bankruptcy. We were actually paying {$1900.00} a month to Wells Fargo and no one could ever tell us where the money went. After the true XXXX we went through during this time, we lost it all in the end. We will probably never be able to own a home again.

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 2022-12-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX  account # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX has violated my rights.

15 USC 1681 section 602 A. states : I have the right to privacy.

15 USC 1681 section 602 A Section 2 states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) states : no consumer reporting agency may make any consumer report containing 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 inructions 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 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 USC Section 1681 states i have the right to the privacy 15 USC 1681 section 604 A section 2 : it also states a consumer report furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: U.S. BANCORP
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unacceptable business practice from US Bank. US Bank placed a lender-bought wind insurance retroactive for XX/XX/XXXX - XX/XX/XXXX on XX/XX/XXXX. 

When I called US Bank and spoke with the representative to question if they require wind or hurricane insurance, they could not answer me. The first letter I received from US Bank stating they required hurricane insurance was on XX/XX/XXXX and I bought hurricane insurance on XX/XX/XXXX ( next business day ). US Bank did not refund my full {$5600.00} and refunded {$4300.00}. US Bank 's stated in their letter that on XX/XX/XXXX a representative told me on the phone that I needed hurricane insurance on when I called their customer service line. What kind of unacceptable communication from a bank is this? 

I remember calling a US Bank representative on XX/XX/XXXX and he said they will not refund me and hurricane is required. I asked him if he can send me a letter from US Bank stating that I need hurricane insurance, he said he can not send me a letter. Then I talked to another US Bank representative after XX/XX/XXXX, and the representative did not know whether or not I need hurricane insurance or not. She said she would get back to me by voicemail after she speak with her supervisor, but she never got back to me. 

The first written letter I received from US Bank that stated I need hurricane insurance was on XX/XX/XXXX, and I purchased the insurance on the next business day XX/XX/XXXX. I am requesting the the remainder amount {$1200.00} of the lender placed insurance to be refunded due to US Bank 's poor communication and multiple confusing letters asking for wind insurance, which I had. I received the first letter from US Bank on XX/XX/XXXX ( through the complain on CFPB ) asking for hurricane insurance and purchased hurricane insurance the next business day. I request refund of {$1200.00}. As a borrower and consumer, I was not trying to avoid insurance or under coverage. US Bank had poor communication and no clear written notice to borrowers. They had poor customer service, they refused to acknowledge their confusing letters and did not provide written communication to borrower when asked.

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 2023-05-08
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I initiated an ACH transfer through my personal XXXX checking account to withdraw {$66000.00} from my Goldman Sachs ( Apple Savings ) saving account. As of XX/XX/XXXX XXXX informed me that the transfer was declined due to insufficient fund. However, my Goldman Sachs account has clearly be debited the amount {$66000.00} on XX/XX/XXXX. The fund {$66000.00} has not be reverted back to any of my accounts as of XX/XX/XXXX. 

I have reached out to Goldman Sachs ( Apple Savings ) customer service line at least 3 times to resolve this issue ( requesting a reversal of the {$66000.00} debit for the declined transfer ). A representative told me the transaction was declined by Goldman Sachs on XX/XX/XXXX, however, I did not receive any notification from Goldman Sachs of this incident until XXXX informed me the transaction was declined on XX/XX/XXXX. The fund was indicated as an " Adjustment '' in my Goldman Sachs account summary. I expected a reversal within 24 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation request on XX/XX/XXXX requesting : - agreement that grants the authority to collect this alleged debt - agreement that bears signature of the alleged debtor wherein agreed by the creditor - proof of legal right to collect this debt - agreement that bears signature of this alleged debt from the original creditor - date this alleged debt became payable - verification this debt was assigned or sold to collector I initially received a 20 % offer from Halsted financial services to settle a debt. A few weeks later I received a letter from another company stating XXXX is no longer. There is XXXX, LVNV Funding, Resurgent Services. I do not know neither of these companies. From my request above, I have received about 10 pages of document with an IP address and my name typed out as a signature. I have not received the original document that I allegedly signed to confirm all above. Anyone can type a full name. 

They requested an identify theft affidavit to be notarized, which have been submitted on XX/XX/XXXX. I did not get an update from them. on XX/XX/XXXX, I emailed requesting another updated and was told this was forwarded to the appropriate department. 

I called and asked to be transferred to said department in charge but was told that they did not have a phone line. I asked for the name and finally was given the name of the department : dispute team. I asked for their contact information and was told they did not have one.

I am unsure how the dispute team is non existent. I was told I will receive a letter one day stating the outcome of this. This company is not real, they refuse to answer my questions, provide proper documentation although I have submitted the requested documents. They only have 1 department and are committing fraud by refusing to abide by the rules and submit proof of this legal debt. This collection is preventing me from getting a mortgage as it is showing up as a collection on my account. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXXXXXX XXXX {$2800.00XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX5 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX. Do not owe Midland funding any money. I understand they are debt collection buyers. But I dont have a signed contract with this company. I also request company to ceast and desist and all communication should be done by postal mail. Any phone call to my work or cell or home. And I can sue per call XXXX per call. I already have a fcra attorney ready to sue if this company does not remove this account off my credit report. Per ceast and desist request this company not even suppose to have my personal information. Delete delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX received an unsolicited business debit XXXX from Square , Inc in the mail under my name and business name XXXX XXXX XXXX XXXX XXXX, with which I have no current or past affiliation. Immediately called Square , Inc and received a case number. They were also made aware that alerts had previously been recently placed with all 3 credit reporting bureaus due to prior attempted ID theft, with inquiry as to how Square , Inc could therefore allow this to occur. Square , Inc representative could provide no information or assurances, stating that someone would follow-up, which never happened, even after my properly executed, tracked written request as a victim of ID theft ( with photo ID, copy of law and police report case number ) to their compliance department was received. I also requested a copy of their remediation policies at that time, again without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-02
Company: EQUIFAX, INC.
State: WV
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 have been fighting this for almost two years. Their dates are wrong and because of their dates, I look late. They have the account late XXXX, closed XXXX, last payment XX/XX/2021. Its supposed to be last payment XXXX, closed XXXX. I have disputed this four times, provided payment info over and again as well as proof. This is inaccurate and illegal reporting that is basically harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are currently facing a impending foreclosure on our home and residence. On XX/XX/XXXX l received a certified letter which read " Notification of our plan to sell property '', which will be included with this complaint. This is the first correspondence of this type received. 

When Ditech Mortgage XXXX  folded several attempts were made on our part to fix and repay delinquintcies of our mortgage. Or some sort of repayment arrangement with the Shellpoint Mortgage Servicing company starting in XXXX. This was because of a letter received from Ditech Mortgaging XXXX, instructing us NOT to make payments to them. As they were going out of business at the time.

Each time that Shellpoint was contacted we were transferred to an extension in their company. Supposedly the case worker working our case, where everytime meeted by voicemail. Leaving a message, each time expecting a call back ; none was received. The last time before the above letter was received was on XX/XX/XXXX. Following my wife 's XXXX XXXX, we were to call back two weeks later. This was because she was just coming out of the hospital. Called Shellpoint back with an extension to call two weeks later to the day. Call went to voicemail again and left another message asking them to call us back. No return call was received again. Keep in mind each time Shellpoint was contacted there was a different extension, and different case worker.

Shellpoint also said over the phone on XX/XX/XXXX that at the beginning of this that they had sent me a welcome letter. This letter supposedly discribed when and where to send payments. No such letter was ever received. 

I feel that we made every attempt to try and resolve this matter. Shellpoint Mortgage Servicing 's way to solve this is to go ahead and sell and foreclose on the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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