BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: SC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2019-12-31
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2019 I visited XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, IL. I was assisted by the XXXX, General Manager, of that location. I purchased a display piece with required XXXX to provide a purchase price which was {$120.00} before tax and {$130.00} after taxes. I attempted to use my XXXX credit card and was told that the transaction was unable to be processed, which was unacceptably odd seeing how I was approved for {$4300.00} only few days prior. At that point I provided my XXXX and completed the transaction. Once I received my statement from the XXXX XXXX the following month the charge for {$130.00} was on the statement. I phoned and spoke with XXXX at the XXXX which I purchased the display from and I was told that I would receive and check for the {$130.00} in 3-4 business days. After two weeks of waiting I phoned and I was told to call Comenity Bank twice, and I was told to send in receipts and letter explaining the issue. I sent letter and receipts to no avail. At this point I'm thoroughly convinced that The XXXX and Comenity are refusing to refund the {$130.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with wells Fargo for most of the last year trying to get a loan modification to get my mortgage back to a reasonable level. They have twice tried to use non judicial foreclose to auction my family 's home. In mid 2022 {$18000.00} from the haf was given to Wells Fargo which only reduced the balance by {$6000.00}. My mortgage payment was higher than it's ever been after they received the money. I do not believe they have followed the correct legal process. I have sent in the information requested by them in numerous times. I've been told they didn't get it or that it was over the deadline. When I would check the status of it I would get told they had everything they needed and to wait for them to contact me only to never hear anything back from them. I have not been provided an accurate accounting even after requesting 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 2023-10-24
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The issue is my servicer Nelnet. Firstly I want to talk about the communication. I don't receive proper communication through email or phone at all. I try to contact through phone and am left on hold for over XXXX hours without ever speaking to a human or i'm automatically hung up on by them. From Email I don't receive any responses from at all. When my loans were transferred over to Nelnet in XXXX of XXXX they never sent me any log in information to be able to set up my Nelnet account so I could start the payment plan process. Because of the previously mentioned communication issues I couldn't find out what was happening. So come XXXX weeks later I send an complaint to the XXXX on XX/XX/XXXX about my loan servicer and how they won't talk to me. Only after putting a complaint in do they send the information to me that same day and my complaint case with the XXXX is closed. So to get things done, ask questions, even somewhat communicate I have to go and complain to the federal government. 

Come XXXX XXXX it's time to set up a payment plan before student loan debt continues. I submit a SAVE plan to the XXXX who send it to Nelnet. On XX/XX/XXXX apparently Nelnet has full reviewed the application according to the XXXX and i'm automatically put onto the payment plan and I won't have to resubmit for an income based plan until XX/XX/XXXX. I think wow that's quick and great. From that point on my payment plan does what it is suppose to do and so does Nelnet. It's even confirmed on the XXXX website. Life is good... until today on XX/XX/XXXX. Where I go the Nelnet website and they reversed their decision, took off the payment plan, no reason at all given, and say I need to pay up over {$600.00} in XXXX. They deleted all evidence that the payment plan I was on existed. I can't call them to figure out why they did this or what is happening. The evidence is fully on the XXXX website that everything went through too. So to me it seems that they are doing a rug pull on borrowers and they don't have to suffer any consequences at all because you can't reach them. If you can't reach them then just hope you give up. To me it seems the company is run by chat bots, infinite phone line holds, and email bots who never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: SC
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:
This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Bread Financial Holdings, Inc.
State: MI
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:
On XX/XX/2022 a store credit card was filled out at the store CBXXXX that has a HIGH inquiry that I did not authorize consent..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Regarding Acct. # XXXX My ex-husband and I have been dealing with US Bank for over 15 years managing and paying an Equiline account on time each month. Once we received our divorce in XXXX the bank would not divide the loan in half because he retired in XXXX and I was still working so our attorneys told us both to pay one half the bill each month. The account has matured and we are no longer able to draw funds on it and the bill has gone from approximately {$600.00} to {$1300.00} per month. 

We are both unable to make this {$680.00} payment each month and the bank has encouraged us to refinance. For some strange reason we were not able to refinance with a conventional loan so they suggested we go through Loss Mitigation. We have sent in application packets with requested documents from XXXX through XX/XX/XXXX but they refuse to approve this loan. To make things worse, they have assigned a different Relationship Manager ( RM ) every month or so causing more confusion. 

We have had XXXX, XXXX, XXXX, XXXX and now XXXX. They rarely answer the telephone when you call and when they do they won't give any concrete answers about the application status and they have never told me exactly what documents they did receive from us. They continue to ask for more and more documents from us starting from scratch. During one phone call XXXX thought my house was attached to this Equiline account when actually it is the house that my ex-husband lives in. I know I have sent in the documents requested because I have scanned them and sent them from the Public Library and it provided a scanned copy for my file. Another time I sent them from one of the local US Bank branches. I asked the RM there to look over the packet to make sure I had everything included but she would not do it ; she said she was not allowed to do so. However ; a week prior, I was there and she encouraged me to come back anytime I need their help. 

US Bank has exemplified poor customer service, discriminatory loan practices, unprofessional and unethical business etiquette in the 21st  Century. I am appalled and there is no excuse for it. I have also experienced several other issues with US Bank regarding other account I have with them. I do not want to get into those issues right now. I want them to be accountable for this unacceptable behavior. 

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 explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXXXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; 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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
When I investigated my credit report, I realized that some of the information was erroneous. 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}

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 2023-04-27
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was placed on my credit report by RDAC who did not provide written notification of this debt or the right to dispute. RDAC stated the letter was mailed to my last known address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, no apartment number, so therefore it would have been sent to the leasing office, which would not come back undeliverable ( who has lost and not provided my mail before ). The previous complaint RDAC attached the lease with the XXXX XXXX XXXX XXXX, it clearly states move out date XX/XX/ and move out reason was XXXX XXXX, their client does have our forwarding address and did not provide us with a written statement of move-out charges. I would like a written letter of this debt to my correct address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Provide me with the receipt of debt purchased.

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 2015-05-27
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Mortgage lender lied to the court in a foreclosure proceeding. They stated to me, the borrower, that they were reviewing my loan modification request. Instead, every time I call the Mortgage Lender ( NationStar LLC ), I am transferred from representative to representative without getting an answer to the complaint filed with CFPB. 
In particular, NationStar LLC lied to the court in a foreclosure proceeding against our home and fraudulently obtained the title to my property. With the title on hand, Nationstar LLC sold my home to a third party without my knowledge. 
Since the law now protects innocent third parties, the judge decided to side with Nationstar LLC and we were given XXXX days to move out of our home. However, the third party buyer in this case is not an innocent home-buyer, it is a subsidiary of Nationstar LLC. In addition, NationStar was to provide a response to our initial complaint on this case and instead has filed frivolous paperwork with CFPB extending the deadline to file a response so that we are left with only one week to vacate the property. We have tried on various occasions to work out a loan repayment plan but NarionStar has refused to work with us. On XXXX XXXX, 2015, I called NationStar to request a response to our complaint. I spoke with XXXX customer service representatives and XXXX accounts resolutions specialist before I finally reached XXXX XXXX badge number XXXX ). I demanded a response to my complaint to which she read me the letter from NationStar dated XXXX/XXXX/2015. In that letter NationStar claims that they are reviewing my complaint and that the NEW deadline for them to send me a response is XXXX/XXXX/2015. Since we are " required '' to move out by XXXX/XXXX/2015, we will not have enough time to make arrangements with only XXXX days notice from their response. In the CFPB guidelines it states that the lender is to provide a response to our complaint within XXXX days. Clearly, NationStar LLC is evading their responsibility to answer our complaint. As of XXXX/XXXX/2015 I have not received a verbal or written response to my complaint from NationStar LLC. Again, I spoke to XXXX at Nation Star LLC. XXXX 's badge number is XXXX and her mailing address at NationStar LLC is XXXX XXXX XXXX XXXX, TX XXXX. The phone call was made at XXXX XXXX XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last year ( XXXX ) i sent in a full payment to get my loan caught up to date.i was behind in payment., including all back owed taxes. 
They applied the funds and gave me a new adjusted monthly payment, now to include my taxes. i was making my payments, then in XXXX my payment almost doubled, I contacted them and it took until ( XXXX ) to resolve the issue. I could not make payments during this time because they still wanted the doubled payment amount. After funds were applied to the correct loan i then sent a payment ( XXXX 2015 ) to once again get current, Now still to this date my account is delinquent and they will not up date it so i can make a payment. They are doing this to me on purpose to try to force me into foreclosure once again. The initial funds i sent in back in XXXX last year and their miss appropriation of funds is still unknown exactly how and where funds were applied. I have asked for a detail to explain all fund disbursement and it still is not current and.i 'm notallowed to make a payment, because they do not show current balance of my last payment to get all owed amount applied to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has the ability to remove the account from my collections because it was paid in full and that because I kept services with XXXX at the same address, I do not find it fair that they continue to report the account after it was paid. I never received a final bill or any correspondence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2015-05-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was attempting to do a modification on home XX/XX/2015.I was instructed to submit certain documents which I complied to in a timely manner. I check in periodically with the financial institution on a regular basis to check the status on modification which I was instructed that they needed more documents on XXXX separate occasions I complied right away. At which time I was notify that the sales date had been put on hold. I was told that the paperwork that was needed was receive and complete and the documents were on there way to the underwriter. I check back to make sure that the underwriter had receive my documents at which time they told me that it takes up to XXXX hours for the underwriter to review them. That was on the XXXX of XXXX. I was told to check back on the XXXX of XXXX which was a Monday because they were closed on the weekend. I check back on Monday and was told that the house went up for sale on XXXX the XXXX of XXXX. At that point I checked with the auction and was told that the house did not sale it went back to the bank. I called the bank back and they said the could not help me it was out of there hands. I obtain representation to the sales date resend they did not help me. I was to contact CFPB to see if they can help me to get the sales date resended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, XXXX failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by 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