BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: BROKER SOLUTIONS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
on XX/XX/2022, I had purchased a house through the XXXX/New American Funding program . Before we were able to do the 2nd closing with NEW American ( Conventional closing ) the XXXX of XXXX was it by a storm. For days, I told XXXX that the drains surrounding the pool needed to be taken care of since water would not drain fast enough. I sent pictures and several emails to my realter as well as XXXX XXXX with New American. It rained every day that week before the worst storm happened on XX/XX/2022. The drain completely stopped working and several inches of water came in through the laundry, dinning/kitchen and part of the living room. I tried several times to get out of the contract due to My daughter and mom having XXXX XXXX and I could not put them at risk in a house with Mold issues but New American said I would not be allowed to back out unless i wanted to loose my Deposit of XXXX and whatever other expenses i incurred. 

I demanded 2 addendums. One for the pool/enclosure and the other for the mold report/ water damage repairs, to be added to the second closing with New American so I would not be responsible for a house with water/mold damages. They agreed and we finally closed! 

Weeks later, I started reaching back out to XXXX XXXX, XXXX XXXX, so they would send me the mild report so I could proceed with repairs. Nothing. I had a handyman remove part of the wall in the dinning room and it had mold behind it. I sent pictures and after several escalations, XXXX, XXXX XXXX as well as XXXX XXXX, would NOT honor the addendum for the damages inside the house. I got stuck with water damages and all the repairs that needed to get done. On XX/XX/2022 I asked XXXX XXXX to please reconsider and make this right, he refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Under 15 usc 1666b this is a billing error, Ive always paid as agreed on time this is an error this account is in violation also Under 15 usc 1681a ( 2 ) ( A ) ( i ) Late payments are transactions and transactions are excluded from a consumer 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 non-monetary relief
Consumer complaint received 2020-09-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted multiple times to dispute a fraudulent unsecured loan/account, in the reported amount of {$6500.00} ( please be advised that the reported amount may change or vary from creditor ). I am the victim of identity theft and did not make this charge from USAA Federal Savings. I have requested that the charge be corrected and removed from my file, and blocked in its entirety from being reported on my credit file, following consumer rights from The Fair Credit Reporting Act ( FCRA ) and in conjunction with providing a valid copy of my FTC Identity Theft Report and Police Report. In the month of XX/XX/2019, a debit/bank account was opened with USAA followed by an unsecured loan that was taken out using my information. I had no prior accounts with USAA. I was not made aware of this action until XX/XX/2019 when I reviewed my credit report. Immediately I contacted USAA, in order to dispute this action. USAA did not notify me of the account via email or telephone. There was no way for me to know about this account unless I reviewed my credit report. At the time of the loan being taken out, address information was not correct that was on file with USAA. I updated address information with the post office immediately after moving so any information should have been forwarded. Im unsure if USAA even mailed anything out pertaining to the account being opened. After the incident, I notified the major credit bureaus, in order to place fraud alerts and credit freezes on my report, as well as contacted the FTC to report the identity theft. Following this, I contacted the police department to file a police report of the incident. 
I provided USAA with a copy of the FTC Identity Theft Report and the Police Report supporting my position and asked them to Please investigate this matter and correct the fraudulent charge as soon as possible. I have sent our various documentation and statements regarding this fraudulent charge, as well as disputes made and requested a response from USAA in writing, but they have failed to contact me. It has been over a year and USAA continues to report the fraudulent account to the major credit agencies and refuses acknowledge the account as fraud, despite the multiple disputes from myself and the credit agencies, as well as the valid documentation provided. I have been contacted by three different collection agencies regarding paying this loan and each time I provide a copy of my police report. A detective working on my case has also reach out to USAA, who have been difficult in communicating with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15 U.S. Code $ 1681c-2 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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer.

reporting agency can not furnish an account without my written instructions 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2019-11-04
Company: First Data Corporation
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TRS RECOVERY SERVICES INC. I got 4 letters from this company attempting to collect on XXXX online check Payments never made or authorized by me on a account that i had closed years ago from a result of lost checks from a credit card account. I dispute check number XXXX {$11.00} REF XXXX check number {$60.00} REF XXXX check number XXXX {$20.00} REF XXXX and check number XXXX {$59.00} REF XXXX these are all fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the company and told them I dont owe {$1500.00}. Since XXXX  they increased my owed amount over {$500.00}. I refuse to pay any of it because theyre making false claims and they dont even have proof that the debt is mine, theyre not the original creditor. I get mail saying Im commuting a crime and theyre taking me to court. I want this to stop. They dont have my wet signature. They never provided me with proof of anything and on top of that I have been a victim of a nationally declared disaster. I have been homeless for the past 3 years. Jobless for longer than that.

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 2020-09-23
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:
I believe that I am a victim of identity theft and filed a dispute with the credit reporting agencies in regards to it, per section 605B of the Fair Credit Reporting Act. I never received any notifications in regards to the results of the alleged items. It has now been over the allotted time period for when the bureaus are legally obligated to respond to my request. The initial letter was sent certified mail on XX/XX/2020 and was received by the credit bureaus on XX/XX/2020 & XX/XX/2020. I have yet to receive any responses and it has been well over the designated legal time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Aspen Yo LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received damage to my basement XX/XX/XXXX. I filed a claim when I returned from vacation on XX/XX/XXXX. I received a payment of XXXX from my insurance adjuster and I signed it and sent the necessary documents they requested on XX/XX/XXXX. I have been calling Gregory Funding daily and at times weekly as they request and did not get advised of there new requirement that they needed to refer the payment to bankruptcy court before they would release it. I subsequently received a check from my Insurance Aduster for XXXX and i sent it by certified mail and Gregory Funding Claims Department signed for the package on XX/XX/XXXX at XXXXXXXX XXXX. I am now told when I call that I have to still wait untill they hear back from bankruptcy court before they could release the funds. In the mentime my basement is in shambles due to construction and uninhabitable for my grandsons and they are sleeping on the floor untill the basement has been refinished and furniture brought back in. I want to get my life back to where I was before the artic freeze. Please help me get my checks back so I can finish my basement and get back to normal. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX, last four of ssn in XXXX for identification with Gregory Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the better business bureau as well as Medical Data Systems. I have paid the medical bills. I requested a validation of debt from the collection agency. They are currently in violation of my XXXX right for the state of North Carolina. They provided personal information such as private medical info prescriptions, procedures received. They were nor authorized to receive or distribute this information legally. I am Preparing to sue them

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 2021-11-08
Company: Praxell, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My Mango card had 4 unauthorized charges from XXXX on XX/XX/2021. I closed my card immediately and got a new card sent to me and followed the process to dispute the charges in order to have the {$210.00} ( 4 charges of {$52.00} ) returned to my account as soon as possible.

I have contacted the company multiple times by email with no resolution, and upon once again contacting them after 90 days since my original dispute, this is the response I received : " Good afternoon, Thank you for contacting us. The merchant has declined our claim for the charges associated with your dispute. We have been working with the processor to reclaim the funds.

Sincerely, Dispute Support '' Again, it has been 90 days, and Mango Disputes Support continues to stonewall me, with no return of my funds yet.

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 2021-07-19
Company: Synergetic Communication Inc
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I don't get a lot of calls on my land-line. I keep it for emergencies only. 
On XX/XX/XXXX after XXXX XXXX. The XXXX man did not identify himself and asked for XXXX XXXX. I have a few relatives with this name and none of them live at my house. I said there's nobody here by that name. And he said but you know him. He kept asking and I kept avaiding since I am not responsible for the debts of XXXX XXXX. 
When the man said, " listen, XXXX! '' I hung up. 
Then 3 days later the collection letter arrived. I can not prove that the call came from their " researcher, '' but why else would I get a collection letter for someone who does not, has never lived in my house?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: DISCOVER BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/2018, request wire transfer XX/XX/2018, amount {$50000.00} and {$30.00} fee were deducted from saving account. 
XX/XX/2018, asked for recall XX/XX/2018, beneficiary bank has not received the fund or recall request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
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 2023-11-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX : {$780.00} ; 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 2022-10-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED REMOVE AND HARD INQUIRY ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2023-12-18
Company: CCS Financial Services, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' On my credit report there is multiply signs of identity theft. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the financial institution and the Consumer reporting agencies XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Therefore I am opting out of your reporting services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Despite my previous complaint, and promise that the issue was resolved, NELNET has once AGAIN placed my account into forebearance despite me not approving it and repeated requests to opt out of any forebearance. 

The last time I spoke to an associate, in response to my previous complaint, they assured me this issue would never happen again and I would not be put into forebearance against my wishes. 

This will be my 7TH TIME requesting to be taken out of forebearance/deferment, with the previous six being assured " it shouldn't happen again. '' This is intentional by design on the part of Nelnet and should be considered fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: MOHELA
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:
Requested a refund for all payments made through payment pause. I initially called on XX/XX/XXXX, and was told 90 days, and have only received a partial refund from Mohela, and none of my payments made through previous service provider. Mohela then said I had to request through XXXX XXXX. XXXX is saying they are no longer my service provider and its Mohelas job to send the remainder of my refund. Here is a timeline of all the times I called, and what happened on the day of the call. 

- XX/XX/XXXX Called Mohela to Request Refund - Mohela Claims Request Takes 5 Days - 7-8 Business Days To Process - XX/XX/XXXX Called Again - Estimated 60 Days Since I Also Had XXXX Servicer Change - XX/XX/XXXX Partial Reinstatement - XX/XX/XXXX XXXX In Bank Account - XX/XX/XXXX Called XXXX for Remainder - Request Takes 2 Weeks - 2 Months - XX/XX/XXXX Called XXXX - Can not Refund - XX/XX/XXXX Mohela Says Request for XXXX Balance Submitted XX/XX/XXXX - 90 Days to See Refund - XX/XX/XXXX Called Mohela Again, No Update - Told To Wait The time frames they have given have all initially passed with no updates on my account. Mohela is taking way too long to process my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief