BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: GOLDMAN SACHS BANK USA
State: AZ
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:
In XX/XX/2020 I was flying alone ( I'm a single mom ) with my XXXX children. During a layover in an airport, I realized I had inadvertently checked my wallet in my luggage. I had no access to money because all of my credit cards and cash were in my wallet ( checked in my luggage ). 

My children hadn't eaten and wouldn't be able to eat for many hours until we got to our final destination and I retrieved my checked luggage. As a last resort, I applied for an apple card administered through Goldman Sachs so I could use Apple Pay at a restaurant to feed my children. 

The application took no longer than 5 minutes. I never consented to online paperless statement delivery and they never verified my email address. I promptly forgot that I even opened this card and since it was not a part of my financial picture, I never thought to go looking for a statement. 

They arbitrarily ( without my consent or approval ) sent the statement to the email address associated with my XXXX XXXX. I never check this email because the only use is for XXXX XXXX login functionality. They ONLY sent statements and past due notices to this email address. They never mailed me a statement. By the time they contacted me by phone, the account was already 36 days past due at which time I paid it immediately on XX/XX/XXXX ( 6 days past the 30 day mark ). At this time, I explained that I never got any statements and asked the clerk to whom I gave payment to please not report negatively to my credit. She stated that she didn't think it would negatively impact my credit since it was only 6 days. 

Yet Goldman Sachs reported a {$14.00} past due payment to XXXX, severely compromising my otherwise perfect credit score. 

I opened a dispute with XXXX  - at the completion of which Goldman Sachs informed me that the past due was reported correctly.

I was not disputing that it was reported incorrectly but that it was reported UNFAIRLY. And that under the circumstances of me not receiving the statements or having any say in how they were delivered, they should consider the whole picture and remove the negative reporting. 

I then wrote a letter to Goldman Sachs and explained the situation again, in writing and asked them to remove the reporting. They wrote back saying that the report was issued correctly. 

I then had an attorney write a letter. To which they responded that the report was issued correctly. 

This is the first negative I've had on my credit in more than a decade. I am now having difficulty getting a mortgage because of a 6 day past 30 days late payment of {$14.00} and I have been able to get Goldman Sachs to pay attention to the circumstances. 

This is the epitome of UNFAIR credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: ENCORE CAPITAL GROUP INC.
State: MA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2019-03-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX XXXX - XX/XX/XXXX. 

In XX/XX/XXXXsomeone fraudulently opened credit cards in my name. I put a lock on all 3 credit reports. I unlocked my credit so I could apply for a XXXX store card thru XXXX XXXX. I was told it would be approximately 2 hours before I could apply. I applied 24 hours later and was denied. Comenity Bank said I need to wait at least 48 hours before I applied ( Difference between what the credit agency told me and the banks policy ) Now that I have applied and have been denied because my credit was locked I can't reapply for credit with XXXX XXXX again until after 30 days. If I would have initially waited 48 + hours before I applied it would have been fine. Not one time was I told this information, not by the credit reporting agencies and not the bank. 

Why would the consumer be punished for 1 ) protecting my credit 2 ) lifting the lock and applying within the time I was told by all 3 credit reporting agencies. Why would the bank have a different policy? Why didn't the bank communicate that to the consumer. Why can't I re-apply after the longer wait period dictated by the bank? 

I have excellent credit, debt ratio, job and money in the bank but denied because I locked my credit to protect my good credit only to be punished by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We have done an ACH wire ( {$30000.00} ) on XX/XX/2018 from XXXX XXXX   to Wells Fargo. Unfortunately, Wells Fargo bank account was incorrect. ( someone hacked the emails of our vendor email server and sent us official notice of bank account changed ) Since ACH was initiated by us, XXXX refused to act as a fraudulent activity and Wells Fargo though confirmed ( by local bank manager ) they see this exact amount sitting in this account, but refusing to release fund back to us ( XXXX ) saying they need some sort of legal complain/ notice to do that. We went to local law and enforcement and file an official complain but after few weeks they found our money transferred from one account to another within Wells Fargo but eventually withdrawn the money by saying Loss Prevention Closing Entry ( screenshot attached ). It seems money is still with Wells Fargo and need your immediate assistance to release these funds back to us ( originator ). I would appreciate your attention to this matter. Thanks 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 2021-09-16
Company: EQUIFAX, INC.
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE 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:
I contacted Transunion several times regarding duplicate inquires on my credit report. Let me first start off by saying that I completely understand that inquires are a part of factual data and I am not disputing the fact that these inquiries were put on my credit report due to fraud or identity theft. However, I contacted each of the following companies XXXX XXXX, XXXX XXXX, XXXX  Card and XXXX Bank asking if they would remove the inquiries from my credit report and they agreed. I then sent these letters to Transunion showing that the original creditor has agreed to remove the following inquiries from my credit file and I asked for Transunion to open a dispute to remove them. All 3 times I disputed these inquires Transunion responded that inquiries are a part of factual data They did remove the inquiries from my credit report nor did they open an investigation to dispute with the original creditor regarding the inquiries. This is why I am filing a complaint against Transunion. Transunion has failed to conduct a reasonable investigation regarding the matter which is in violations of the FCRA. I am requesting that Transunion remove the following inquiries from my credit report ; XXXX XXXX XX/XX/2018, XXXX XXXX  XX/XX/2018 and XX/XX/2018, XXXX Card XX/XX/2018 and XXXX XXXX XXXX   XX/XX/2018.

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 2018-05-22
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX placed a collection on my credit history in XX/XX/XXXX claiming that I owed money to XXXX XXXX as ofXX/XX/XXXX, which I don't seeing as how I have not had XXXX XXXX  in my household in years. The debt was originally placed for collection by another company, which removed it after a lengthy dispute which found it to be fraudulent, only to have it pop up AGAIN with this company.

I have disputed it in XXXX and it was removed, XXXX and XXXX have refused to remove it and claim it to be accurate, yet I still have yet to see a bill dated XX/XX/XXXX that shows that I owe any money from anyone. This company is simply trying to collect something that was already proven to not be owed.

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 2019-10-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2017, I started a new job in XXXX  and rented a one-bedroom apartment in XX/XX/2017 from XXXX XXXX  ( XXXX XXXX ) on a 1-year lease. 

Due to problems on the job and a family issue ( my family lived in XXXX XXXX XXXX while I worked in XXXX ), I had to break the lease in order to relocate back to XXXX, and I paid an extra 1-month rent to break the lease based on the lease agreement. I also paid up my apartment rental fees up to date. 

I ensured to clean up the apartment before I left the XXXX XXXX. No debris or items was left-over. Nothing was damaged either. By cleaning, I meant I cleaned-up the bathroom, kitchen and the carpet. I did not collect my security deposit and the garage deposit before I left. 

However, after I had left the apartment in XX/XX/2017, XXXX XXXX   started harassing me with another bill, claiming the stove and the bathtub was not cleaned enough. 
I explained how I had taken my time to clean up the kitchen, the bathroom, living room, and the bedroom. All my explanation fell on deaf ears and XXXX went on to charge off a {$420.00} that they made up, to a collection agency, who in turn forwarded it to the credit bureau. The collection has already hit my credit account status and had brought down my credit score from over 700 to just above 600. 

I have a 3-bedroom rental property in XXXX as well and we don't treat renters like I have been treated - i.e. XXXX wants me to essentially bring the bathtub and the kitchen to a NEW status after it has been used by several tenants. It is a known fact everywhere, that both landlords and new renters have to do a little cleaning to move in on day 1. 

Right now, the {$420.00} undeserved bill is hurting my credit score. I need the assistance of the credit bureau to help me assess the ill-treatment I have been accorded by XXXX XXXX. 

Thanks, 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 2021-06-21
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a home loan held by Nationstar Mortgage, LLC, dba Mr. Cooper. I sold my home on XX/XX/2021. Mr. Cooper owes me an escrow refund of between {$2700.00} and {$2800.00}. This was communicated to me by the closing attorneys. As of XX/XX/2021, I had not received a copy of my check and I called Mr. Cooper. I had been in transit and feared that the check had been lost in the mail. As such, during our phone call, I asked that they cancel and re-issue the check. The refund check indeed showed up later that day. I called them back and customer service told me that the check had already been cancelled and re-issued, but that there was a five business day approval process and that it would be re-sent to me. 

As of XX/XX/2021, I have had not refund check issued. I have called Mr. Cooper customer service weekly, ever since, and every time, a customer service representative tells me that they have not found evidence of the reissuance but that they or their manager will call me back. I have never received a call back. On XX/XX/2021 at XXXX XXXX  EST, I called them again and spoke to a customer service agent named " XXXX '' ( spelling may be incorrect ) who told me that the check has never been reissued, but that she would properly have the check reissued and that it had to go through the five day approval process again. At this point, it has been over a month since the original reissuance request was made and it feels like I am getting the run-around. Nearly three thousand dollars of mine is being held and I very much need that money. At this point I am not sure where else to turn, but I want the company to be compelled to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: CORELOGIC INC
State: NJ
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: Investigation took more than 30 days

Complaint:
We bought our house in XX/XX/2018 loan from XXXXXXXX XXXX, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from XXXX. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending.

Our credit is down by 280 points because of this. 

We have this complaint against XXXX XXXX for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this. 
3> affected our credit score and not taking any action to let us know or clear this.

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 2018-12-19
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:
CHASE CARD XX/XX/XXXX ( 6 yrs, 8 mos ). {$20000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 8 mos ) XXXX XXXX XXXX XX/XX/XXXX ( 2 yrs, 2 mos {$4000.00} XXXX XXXX XXXX XX/XX/XXXX ( 4 mos ) {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: SECURITY CREDIT SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was attending XXXX XXXX University XX/XX/XXXX - XX/XX/XXXX, during that time I both received financial aid, as well as paid a portion out of pocket. Once I finished the term, I did not wish to return taking classes there. It was to my knowledge that I left in good standing, however, I later on received a notice in the mail saying I had an account that had been sent to collections from XXXX. When I called it was still very unclear why I had a balance because I was awarded the federal pell grant through financial aid for all terms that I attended. I never received documentation that I had a balance prior to the letter about sending my account to collections. I did move to a different apartment complex and did n't think to make XXXX aware because I was no longer attending classes there and was not notified I had an outstanding balance. When I called they told me I had a balance of {$630.00} and that now I had to wait for the collections agency to contact me. I later checked my credit report and XXXX report {$820.00} which is a different amount. I would like this to be deleted from my credit report one way or another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I transferred money to my bbva account from an external account on XX/XX/2020. I received a message from my external account that it was Sent and the time it was sent and when it arrived there. BBVA however have not posted the funds even after they opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have owned a coop located @ XXXX XXXX XXXX XXXX XXXX NJ XXXX since XXXX. 
I originally obtained a 30-year mortgage from XXXX XXXX  XXXX but over the years the lenders changed from XXXX to XXXX and then to Shellpoint Mortgage ( aka New Rez ) which was not my doing, but the result of the transactions between the lenders. During the entire time I owned this coop unit, the property has always been insured without any gap or lapse of coverage as required by the building. 

Shellpoint Mortgage took over around XX/XX/XXXX and suddenly sent out a letter stating that my property didn't have proof of insurance so they had to insure it on my behalf and start an escrow account. So, I immediately uploaded my proof of insurance ( the policy coverage page ) to the web address they provided, and received their letter dated XX/XX/XXXX ( See attachment 1 ) confirming that they received the proof of my coverage & that they are canceling the insurance they purchased on my behalf and thereby the escrow account as well. 

However, even despite & contrary to their own confirmation and numerous phone calls to correct the matter during which they all confirmed again that I had no liability and they would pass it on to their insurance department ( to no avail ), they have not canceled the escrow even to this date and still continue to bill me for this escrow account ( See attachment 2 ). 

I don't have the bill that contained the original escrow amount any more, but I remember it as in the neighborhood of {$69.00}. It's not a significant amount, but the amount that never even needed to be there in the first place, but that they kept on bilking me with all this time since XXXX last year despite the proof of its non-necessity. 

This is also an epitome of the staunch bureaucratic rigidity plaguing the industry that don't admit to their own fault even in the face of the clear proof against it. Moreover, this is a clear example of how predatory these lending institutions are even down to nickeling & diming of their customers. 

I await your just & rational action against Shellpoint 's injustice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation