BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: Shellpoint Partners, LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my mortage was sold to a company called New Rez financial ( also know as shellpoint ) not by our choice. We had made 2 mortgage payments, and then they were demanding that we get flood insurance ( XX/XX/XXXX ) due to the location of our home to a small brook. ( This was never a problem with the prior company working off the same flood maps ). We got our flood insurance policy paid in full for the year prior to the deadline they gave us. The insurance company sent over the binder in XX/XX/XXXX. New Rez also requested that I compose a letter stating that I would be responsible for the flood insurance premium every year and it would not be escrowed with my mortgage payment. 

Fast forward to XX/XX/XXXX and New Rez was claiming they never received the flood insurance policy and now was putting a flood insurance premium in our escrow, which was another {$120.00} a month to our bill. I told them I did have a policy and I requested a new escrow analysis to be done, so my payment would be fixed. I then check in XX/XX/XXXX, it was not done, but was told to make the original payment amount, which I did and it was adjusted. XX/XX/XXXX I checked again to see if the analysis was done, it still was not done and I was advised that they would not do it again before the state requires it later in the month because " it doesn't make sense to them ''. I was advised that I was on a recorded line and of I did not pay the mortgage with the extra {$120.00} payment on it, the loan would be marked as unpaid and reported to the credit bureau. I paid the payment of {$920.00} for XX/XX/XXXX payment. I was also told on this phone call that the letter I sent saying I would take care of our flood insurance, actually means that they wont take care of anything in the escrow ( taxes and insurance ). 

Also there was an issue with my taxes that went unpaid in XX/XX/XXXX which was the prior mortgage company but they would not handle the situation at all. They were also 3 months late paying my taxes for XX/XX/XXXX as well.

Finally when I do ask to speak with a manager or supervisor, they can never forward me right away to them, I have to be put on a call back list and wait for them to get to me. They will call minutes before the closing of their office, which means I cant call back until the next day and start the process all over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one bank froze my account for trying to withdraw XXXX at bank I can't even use my card. I also have a promissory note for my ppp loan. They are holding my funds and I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: TN
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 Account, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 company " XXXX '' has an Hard Inquiry on my credit report although this hard Inquiry does not belong 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 2021-02-14
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened an account with Americal express in XXXX this card was XXXX XXXX which was recently upgraded to XXXX XXXX preferred with a credit line of XXXX. The second card was opened in XXXX it was a Delta Airline Amex Gold credit card with a total line of credit of XXXX. By the start of XXXX, I checked my credit report and it showed my limit on Blue card preferred is XXXX/XXXX and Delta Golds card is XXXX/XXXX. After seeing that I called the customer service on their number and none of the representatives/agents could tell me what is the reason and instead of helping they became unprofessional and kept transferring me to the supervisors. 

All of this impacted my score so badly and further led to a cascade of events that led to financial crises. This has increased my Debit Ratio. I can't be approved for house loans that I was about to apply for. 
Amex has been notorious about this recently. My point is in case of any financial crisis this company will further kick you the edge despite having an excellent payment history, no missed payments, and no loyalty benefit even no courtesy call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: NC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The XXXX  are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2021-03-16
Company: ENCORE CAPITAL GROUP INC.
State: IN
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:
I have had a payment plan for three accounts with Midland Credit Management for almost three years and have made very payment on time with direct debits from my checking account. On XXXX XXXX, an unknown party gained access to my routing and checking account numbers and fraudulently withdrew several thousand dollars from my account Because of this, my bank changed my account number. 

I attempted to change my bank account numbers on Midland 's website, however, they do not have a mechanism to do this and only gave a number of a representative to call. I called that representative four times over the course of several weeks and left messages asking to update my information so that my automatic payment could be processed. I also emailed Midland two times requesting the same. I never received a response. I then mailed paper checks to Midland to make the payments, however, due to the communication delays on their part, the payment was later than scheduled. 

Midland has now reported the account as a collection account which they have not done previously in the three years I've been working with them. I simply want them to contact me or provide some sort of mechanism to update my payment method and to remove the collections report from my credit report since they never responded to my attempts to update my information. My payments on the accounts are current ( in fact two of the three I had with them are now paid in full ). Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently obtained a copy of my credit report and found items that were incorrect such as addresses : only address should be XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. All 3 credit scores on XXXX, XXXX, And XXXX and all different and not updated. I also have accounts that are also false. I am requesting all these items be removed, updated or Other suggested change to correct the information. Please investigate this matter and ( delete or correct ) all false items and problems. Thankyou so much

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 2021-02-14
Company: Reverse Mortgage Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My house burned down XX/XX/2020, and Reverse Mortgage Solutions is holding my insurance money and will not release the funds for the house repair. I have provided all the information that they need in order to release the initial funds for the repairs. For over a period of four months, I have been negotiating with them to release the funds for repair. They still have not sent the funds, and keep saying the check is in the mail, for four months. They also said they stopped payment on one check, and are issuing another. I am stilling waiting for the funds. There have been issues with the agent in charge of my case. I have called numerous times, only to be given the run around every time. The ILV number of my case is XXXX. The agent 's name is XXXX, and his ID is XXXX. The total amount owed is XXXX dollars. The initial amount to be issued is XXXX, one third of the total, in order to start repairs to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: World Omni Financial Corp.
State: GA
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:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have taken action against PHEAA student loan servicer but, I do not have legal counsel as yet due to my Pending claims filed with The Dept. of Education Civil Rights division, and Borrowers Defense, Fraud and False Cert Division, The Office of The Attorney General/Collections and Practices violation department, ADA violations claim, ( age, race and ethnicity and disability ), FTC, Cease letter sent and collection calls are coming in again and possibly some spoof calls, and XXXX XXXX XXXX of California claims filed are all pending. I have received wage garnishment notices, letters rejecting all of my claims filed from PHEAA, its legal team and collection partners. Making allegations that nothing ever happened within the PHEAA agency, its Sub servicers, collection partners and affiliates, that indicated violations of fraud, mishandling, false reporting/writings of any sort happened. Discrediting me and making demands and threats to force me into paying on a student loan debt that I don not owe. PHEAA, and its legal team was unresponsive to the fact that my private loans were converted with my federal loans, consolidated without my consent or knowledge, slapped with high fees, charges, penalties and was given a different type of loan name. Adding, I never received anymore disbursement after XX/XX/XXXX yet, PHEAA alleged, I took out more disbursements in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is false and PHEAA has been unresponsive to my claim. My claim status is pending investigation ( s ) with the above reporting agencies listed. PHEAA is not following proper practices and violating my rights as a consumer and as a debtor taking action against illegal collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company : New York & CO/ Comenity Bank Account opened : XX/XX/XXXX Date closed : XXXX Original Debt : {$150.00} The account was closed on XX/XX/XXXX, I was behind on my payments since XX/XX/XXXX, i called the company to get support at least to minimize late fees. The operator told me that " they will pause the account, plus a two-month grace period. This agreement was not respected at all, even though the whole world was going through a big crisis/ covid-19 pandemic. From {$150.00} to {$430.00}, that's double the amount to be paid. 
Based on my consumer rights and the New State Regulations against illegal charges this account is time-barred ( more than 3 years since it was opened ). This company has been trying to collect a ridiculous amount, even when i called the bank on XX/XX/XXXX to work things out. Before the pandemic i was never late, i paid on time, and sometimes i paid extra. As a consumer i haven't been treated fairly, excessive fees were eliminated during the pandemic. Governor XXXX passed the bill, and Governor XXXX created the new Consumer Credit Fairness Act of XXXX which protects consumers from scrupulousness debt collectors t ( hat not ONLY harass but make threats ) to damage credit scores if consumers do not comply with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Nelnet, Inc.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On or about XX/XX/2023, I placed several calls to Nelnet concerning my student loans. I only got through twice after massive wait times, and neither representative was able to help. In fact, the second person explicitly told me she " couldn't do anything ''. The first representative was disconnected. When I tried calling back, there was a massive ( over an hour ) wait time just to speak to someone. The second representative told me they could not help me. I just wanted to change my due date by ONE day. Something they advertise is easy to do on their website, but instead, I was told to contact the department of education. This is the last time I could get anyone to answer or reply from Nelnet. After talking to the department of education, I was told that Nelnet was responsible for any type of payments or changing the due date. I attempted calling and emailing again and waited several hours, with no answer. Again, I have not been able to get anyone from Nelnet to answer my calls or emails. The only response I get is an automated reply. This is completely unacceptable. I waited on hold for a total of almost XXXX hours with no resolution. As a XXXX  and a XXXX XXXX XXXX finding that amount of time to just wait is next to impossible. I have NEVER had such a poor experience when trying to manage an account ... even the military and VA are better than Nelnet as far as " customer service ''. How am I expected to continue with payments when there is absolutely no effort to provide any type of service and the company is completely unreachable. This seems very fishy and almost like a scam. It is not the first time Nelnet has been caught in controversy -- i.e. the over XXXX XXXX dollars scammed from student loans...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 following businesses and referenced accounts have violated my rights : XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX Account # XXXX, CXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, US DEPT. OF EDUCATIONXXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states that 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 non-monetary relief
Consumer complaint received 2019-09-20
Company: Harley Davidson Financial Services Inc
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since opening an account with Harley. I have received calls from the collection department even before my first bill was due. They called it a courtesy call to be reminded that my first bill was coming up. ( 8 call total ) I told them about email. 
Since that time theyve repeatedly called. From the cell number to my work number. To the point my boss had to tell them to stop calling because they were occupying the work line. Now they call 8 times a day for sure because I have saved all my call logs. I understand a late call or reminder but theyll get this way when its on the due date and keep it up everyday till its paid. Ive asked whats the point of having a due date if Im called on it every time. Its not even late at that point its ON the due date. Im at work XXXX which theyve been told this. Ive even set up a payment date when late or going to be late on the website to be automatically withdrawn from my bank account and Ill receive calls till THAT date. I pay the late charges when late but Ive never been a month late. Ive been days and at most a couple weeks. We had Harley for three years with another account and was always in good standing and still is. all this started with the new account days before the first bill was even due. ( Never  experienced these call before and weve been late before ) Then it was a day or so before the due date which I asked why do I have a due date. Then to them calling 8 times a day if not more on multiple devices on the actual due date. Heres XX/XX/2019 call log for example. 

Calls start// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes I understand paying my bill on time would avoid this but life happens and the fact it started before any bill was ever due or on due dates is the issue.

Company response to consumer: Closed with explanation