BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every month, I always pay the mortgage for our home ( XXXX ) and a rental property ( Flagstar Bank ) at the same time. We have never missed a mortgage payment. Somehow, our XX/XX/XXXX payment was processed for our home, but not for the rental. I don't know if this was due to simple human error, or a system error on the part of Flagstar. My brother, who co-owns the rental with me, was XXXX in the XXXX XXXX with the XXXX XXXX XXXX during this time, and we were not aware that the payment had not processed. 

We did not receive a mortgage statement in XXXX ; I don't know if this was an error on Flagstar 's part, or if our mail was mis-delivered or stolen. Mail is often mis-delivered in our neighborhood ; we frequently receive our neighbors ' mail, but no one has ever returned mis-delivered mail to us. I just spoke with a customer service representative at Flagstar today ( XX/XX/XXXX ), and learned that a piece of mail they sent eight days ago, on XX/XX/XXXX, has still not reached us. 

The first piece of mail we received about the late payment was dated XX/XX/XXXX. Upon learning of the late payment on XX/XX/XXXX through that letter, we immediately paid for XXXX, XXXX, and XXXX. We also set up automatic payments. 

Through this situation, I learned that Flagstar failed to obtain correct contact information for us when they took over the servicing of our mortgage in Fall XXXX. I spoke to a Flagstar customer service rep on XX/XX/XXXX to figure out how we had missed their call ; neither of the phone numbers they had for us were correct. Flagstar also neglected to obtain our email address from our previous mortgage servicer. 

As a result of Flagstar 's negligence when assuming the servicing responsibility for our loan ( and apparently our mailperson 's negligence as well ), we did not know that our payment was late until the account had already been reported as delinquent. Our payment was 33 days late, and it was NOT late due to insufficient funds. 

I have submitted two separate credit review requests to Flagstar with the information above, requesting that Flagstar a ) contact the credit bureaus they report to to have this late payment removed, and b ) provide me with a letter of deletion for the late payment. Both requests have been denied. 

I am not denying that our payment was late ; however I do firmly believe that Flagstar 's refusal is both unreasonable and anti-consumer. This late payment record is preventing me from refinancing my home, despite the fact that I am not at all a credit risk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Personal information incorrect

Complaint:
I sent a dispute letter certified mail out to XXXX, Equifax, and XXXX regarding incorrect addresses. Unfortunately they are refusing to remove the inaccurate addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, XXXX, and Transunion all showed my name and report as having an account with XXXX XXXX XXXX. Transunion dispute was good and the bad information was removed. XXXX  will not answer the phones and the on line service will not function at all. 

I have contacted XXXX Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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:
There are accounts on my credit report which do no belong to me. I contacted the credit bureaus report this incorrect information and made an identity thief report. I did not include the report in the letter I sent but listed the accounts in which I did not recognize.I also put a freeze on my account to be notified if anyone tries to use my information.

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 2021-05-28
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts are not mines these unauthorized accounts are fraudulent and even in ligation so therefore I'm demanding that these accounts are removed immediately from my credit files. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$180.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$170.00} 5. XXXX XXXX {$810.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: MO
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:
The following accounts are not mines these unauthorized accounts are fraudulent and even in ligation so therefore I'm demanding that these accounts are removed immediately from my credit files. 

1. XXXX XXXX XXXX {$240.00} 2. Account XXXX XXXX {$180.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$170.00} 5. MXXXX XXXX {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Checkr, Inc
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX is reporting to XXXX  that I made 5 late payments XXXX XXXX XXXX XXXX XXXX  ) in XXXX. I did not make ANY payments on XXXX XXXX XXXX or XXXX. I've disputed this INCORRECT information both with XXXX and XXXX with the answer that " that's just how they entered a deferred if not contacted '' I was NEVER notified that I needed to contact XXXX and to this day I still have no ideas as to why I needed to contact them. But it does up on the 9 OPEN ACCOUNTS which should have been consolidated when XXXX bought it from old student loan company. I'm on my 5th different " student loan account owner '' my entire life is affected by this " credit report '' along with the discriminating in every possible way, " background report '' please help amend THIS credit report so I can get a better job and an actual home of my own

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent some documents. No reponse

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 2020-07-28
Company: Nelnet, 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: Account information incorrect

Complaint:
XXXX AND XXXX ARE REPORTING THAT I HAVE STUDENT LOANS FROM THE XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY ARE DELIBERTLY PUTTING DUPLICATE ACCOUNTS ON MY CREDIT REPORT ON PURPOSE. XXXX SAID I OWE XXXX IN STUDENT LOANS WHEN I ONLY OWED XXXX. NOW THAT NELNET HAS PAID THE XXXX? IT SHOWS THAT I STILL OWE XXXX. THIS CREDIT REPORTING AGENCIES ARE DOING THIS ON PURPOSE AND IT IS NT RIGHT TO THE CONSUMER. THIS INFORMATION IS INCORRECT AND SHOULD BE REMOVED AT ONCE. STUDENT LOANS. BELOW IS THE XXXX ACCOUNTS STILL OPEN ON MY XXXX CREDIT REPORT {$11000.00} Reported balance XXXX XXXX {$7500.00} No Info XXXX XXXX {$3500.00} No Info XXXX HAS THAT I STILL OWE Total open balances {$68000.00} AFTER NELNET HAS PAID ALL OF MY STUDENT LOANS OFF!!! THEIR RESPONSE IS TO FILE XXXX DISPUTE WITH XXXX BUT THIS IS GOING OVER AND OVER WITH THE SAME SITUATION. WHY CANT THEY REPORT THE TRUTH FOR A CHANGE. I DONT OWE ANYONE!!!! FOR ANT STUDENT LOANS AND THIS IS NOT FAIR THAT THEY ARE STILL REPORTING EVERY MONTH THAT I OWE CAUSING A NEGATIVE IMPACT OB MY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Pursuant to my original complaint # XXXX XXXX XXXX promised to send a gift card for {$100.00}. The card was not sent. Below is teh script from his response : On behalf of PennyMac, please accept my sincere apology for any frustration and confusion you experienced as a result of this matter. PennyMac strives to provide quality service to all of our customers. Your feedback is very important as we are constantly looking for ways to improve our services. As a gesture of goodwill, a gift card for {$100.00} will be sent to you under a separate cover. Thank you for allowing me to address your concerns. In accordance with the Real Estate Settlement Procedures Act ( RESPA ), you have the right to request documents that we relied upon in reaching our determination ; therefore, I have enclosed the supporting documents for your convenience. Should you have further questions related to the matter above, you may contact me directly at ( XXXX ) XXXX, extension XXXX. My office hours are XXXX XXXX  to XXXX XXXX PT, Monday through Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 2018-07-23
Company: COMMERCE BANK
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX, based in XXXX XXXX, MO, does not correctly follow reg E when cardholders contact them regarding unauthorized transactions on their account. The advisers in their fraud department regularly deny cardholders the opportunity to open a fraud case for charges they didn't attempt. There are many excuses and justifications that the call center advisers give as to why they won't start a fraud case, but ultimately they are not correctly following reg E. The advisers know what they're doing isn't allowed, but they do it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinanceon my conventional home loan over a month ago with the approximated date of XX/XX/2020. On XX/XX/XXXX I received an e-mail with documentation from Freedom Mortgage, that I signed in regard to a refinance. XXXX XXXX XXXX was the loan officer who sent me the documentation.On XX/XX/2020 I contacted Freedom Mortgage to find out the status of the refinance. I was told my refinancewas closed and I would be contacted in 24-72 hours. 72 hours has past and no one has contacted me.The loan XXXX XXXX XXXX XXXX did not call or e-mailme as to the reasonwhy the refinancewas closed. On XX/XX/XXXX I was told that the conventional loan officers are not taking calls. I have talkedto over 9 people at Freedom Mortgage with no resolutionoffered for my case. The last person I talked to stated that she can place a request for me to be contacted in 3-5 days. I am a XXXX with XXXX XXXX XXXX. Can you please help me. 

A home owner

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I'd like these removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-02-07
Company: Real Time Group, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is regarding Real Time Resolutions , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This company is providing inaccurate and deceptive billing statements. Statements provided do not reflect previous months payment. Furthermore, the current payment is inaccurate as well. Request CFPB investigate the deceptive billing practices of Real Time Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I am filing this complaint against the following company : CBE Group XXXX XXXX XXXX XXXX, IA XXXX P : ( XXXX ) XXXX I an continuously being harassed by CBE Group for a debt they claim that I owe. I have repeatedly asked them to stop and they continue to call me outside of FDCPA regulated hours. CBE Group knows that I am a resident of XXXX XXXX, California ( and have been for 3 years ) yet they constantly call me before XXXX. 

On XX/XX/XXXX, CBE Group called me at XXXX. I called back and asked them to stop and they ignored me. 

On XX/XX/XXXX, CBE Group called me XXXX. I called back and again asked them to stop harassing me and calling me outside of FDCPA regulated hours. The woman was very rude and said they will call when they want. She verified that I was a California resident, once again, and then proceeded to claim I owe a debt that I know nothing about. 

I am sick of being harassed by this company. They are completely disrupting my quality of life and my family 's quality of life by constantly calling me at wee hours of the morning. In addition, they claim I owe a debt to XXXX and I have never sold anything on XXXX. This company should be fined for illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-08-08
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:
i have been trying to dispute inquiries on my XXXX, XXXX  and Experian but every time they don't remove the inquiries and they are still on my report. I did not authorize these inquires and they are fraud which i explained to them but they wont remove 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