BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage companys name is BSI financial services. Since they took over our account, we havent got our payments updated on time. We like to send our check with the payment two weeks before but they would supposedly only get it after the due date had passed. Thats a lie and as far as Im aware mail does not take more than 4 days to be delivered. In XXXX of XXXX  they said they got our payment after the due date so instead we had to pay an overdue amount in XXXX. Then BSI said in XXXX they didnt get a check at all from us after we mailed it to them so we had to call our bank to stop the payment on that check. We then made a payment over the phone for XXXX and XXXX together since they did not receive the XXXX one prior. It was not applied to our payment and we had no idea until we got a phone call 2 weeks later that they had never received our payment. Aside from our payment issues, my wifes name is completely wrong on the paper work ; Totally WRONG. We keep calling to ask them to fix the problem but they seem to be a very unorganized company because they never know what is going on. Now, we got our XXXX statement and the name of my wife is still wrong. I called again after calling 3 times this month and left messages to get a call back and it seems like nobody cares to call me back and assist me. I just want to be able to pay my mortgage and avoid late fees or damages on my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been monitoring my credit scores for XXXX  years. And my score dropped by XXXX points. Because XXXX c systems reported a media com Bill And did not send a notice to dispute or XXXX day to validate to an address Of which I have lived at XXXX  years. 
This is a violation of my consumer rights and I demand its immediate removal.

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 2019-02-27
Company: Navient Solutions, LLC.
State: CA
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:
Navient ignored my " borrowers '' best interests in violation of its government contract to prevent borrowers from moving to XXXX ( the student loan servicer that administers the Public Service Loan Forgiveness program ),  so that Navient could continue to earn fees. 

During XX/XX/XXXX - XX/XX/XXXX I was advised by ancient to enter into an unemployment deferment. I was eligible to enter into an IBR that would count towards my 120 payments in a PSLF program. In XX/XX/XXXX, I was then advised to enter into standard repayment. Only because I could not afford repayment I looked into the matter further and realized I could have been an an IBR plan. 

During XX/XX/XXXX - XX/XX/XXXX, I went against advisement and managed my account and entered an IBR. My financial situation was exactly the same as the previous 3 years. I was part-time employed at several colleges working over 30 hrs. In fact, since I was working over 30 hours I did not qualify for the deferment that was suggested. 

I am requesting that the months from XX/XX/XXXX - XX/XX/XXXX be  counted towards my IBR. I am willing to pay back payments at the same rate that was determined for the period between XX/XX/XXXX - XX/XX/XXXX. 

My current IBR payment is slightly high because I am now full-time which is a different financial situation. 

I have requested documentation from navies but was referred to my online account. they informed me all the information I need is there. but dates on deferments do not show.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Checkr, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This company Checkr, by way of fraud, stole my information and sold it to an employer without my consent or knowledge. They then admitted to the fraud by sending me a mailed/emailed copy of them furnishing my information. 

This has prevented me employment for the past 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Kriya Capital, LLC
State: NY
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:
Credence RM is reporting a fraud acount on my credit. 
I didnt open this account nor did I authorize anyone to open it on my behalf Please note the attahed FTC reporta and my driver license. 
Plese remove it from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXXXX/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 2021-08-02
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare LLC holds my mortgage for Condo in XXXX XXXX, NC. Every year I have to provide proof of Flood Insurance ( Flood Insurance is obtained by our Owner 's association & renewed yearly ). This year I provided proof of Insurance on XX/XX/XXXX & then received a letter dated XX/XX/XXXX saying they ( Loancare ) would charge me {$190.00} for the lapse of Insurance from XX/XX/XXXX to XX/XX/XXXX - my proof of Insurance clearly states ( in several places ) that the insurance is effective from XX/XX/XXXX to XX/XX/XXXX. 

I feel this is a scam by Loancare to charge Mortgage Holders with additional fees ( probably the elderly who would not fight back against such charges ). 

Please investigate - I have attempted to contact but only get a series of pre-recorded messages. 

Thank you, 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 2021-05-25
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I filed for Chapter XXXX Bankruptcy last year, Case No XXXX. I did not sign the lease assumption agreement with XXXX for my leased 2020 XXXX XXXX. XXXX has stopped reporting my payments since I have not signed the lease assumption agreement which has negatively affected my credit score. 

As per 11 USC 524 Violation of Discharge Junction and 15 USC 1681 Violation of Fair Credit Reporting Act, XXXX is required to report the fair and accurate account status to credit reporting agencies. They claim it is their company policy to not report account that do not sign lease assumption agreements, which is a violation of both of these laws. 

My bankruptcy attorney attempted to resolve the issue with XXXX, through both fax and email but XXXX has refused to acknowledge receipt of written request, and will refuse to review the account made through telephonic request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: TX
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2021-07-21
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been consistent with child support in the state of XXXX county of XXXX County. I am making weekly payments, however, I am still having child support negatively reporting on my credit report. Every week I am making child support payments. Yet it is not showing positively on my credit 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 2021-12-02
Company: EQUIFAX, 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:
I know according to the Fair Credit Reporting act consumer reporting agencies have the sole responsibility in reporting 100 % accurate information. Upon looking over my credit report I noticed alot of inconsistencies that aren't 100 % accurate. 

Please Update my consumer report as follows...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Good evening, I recently closed on my very first home on XX/XX/XXXX. With all the excitement and incentives received on my behalf was a Blessing in so I thought. As of today XX/XX/XXXX I have yet to receive the Realtor Rebate to pay off my early termination fee for my apartment. This noted on my closing disclosure and documents Ive signed throughout this process prior to completing the closing. 

As of XX/XX/XXXX, I turned in my keys to my apartment complex and found out that they have yet to received the realtor rebate. 

I contacted my realtor at XXXX XXXX and continue to ask whats going on. I was referred back to the XXXX XXXX XXXX XXXX. 

Someone is passing the Buck. 

I paid a visit to the title company DHI to be informed that the information was wrong and they dont know what to do or what happened and that the credit was there but was not billed. 

This is a very big issue for me, because this could go against my credit on none payment of early termination. 

At this time I feel that the company is giving me the run around and not fessing up to the truth to what happen and what they will do. 

The realtors broker tried to contact title on several occasions to be informed that no one is in. 

What I want to happen from this complaint is a check in the amount of {$2700.00} to be paid to the perspective company on file. 

XXXX XXXX XXXX is and has been in receipt of all pertinent documentation for this process. i.e. XXXX and invoice of the companies information. 

I need this transaction to be processed before early part of XX/XX/XXXX or sooner. 

Your assistance to this matter is very much obliged.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed 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 crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello.

I noticed an ungodly amount of credit inquires on my account I DID NOT AUTHORIZE in XX/XX/XXXX after pulling my report, I contacted this credit agency and let them know I had not authorized them. I was told " sorry we don't dispute/delete hard inquires " these inquires are false and not mine. Some one has clearly been using my information without my permission and it's STILL HAPPENING, they are still running my credit. This reporting agency has showed me, as the consumer mean nothing. These inquires are hendering me from even obtaining a new bank account because of two many inquires!

I'm asking for your help and am pleading with this agency to delete them. I've listed the incorrect ones belowXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX RXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry :XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXXXXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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:
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 PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
previous Case number : XXXX I would like to re-address this complain because the law firm XXXX has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the Civil Court of XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from XXXX regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because XXXX have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from discover. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact XXXX to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact New York District attorney and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with XXXX in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: National Credit Systems,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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
XXXX  is refusing to remove a debt that is past the statute of limits. They briefly removed it then quickly put it back on. I filed a complaint via mail with evidence from the collection company themselves and XXXX  just responded they were satisfied with the inquiry and the information was staying on, even though the collection company 's own documents are saying it's past statue.

Company response to consumer: Closed with explanation