BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our property was damaged due to flooding on XX/XX/19. We filed an insurance claim, obtained county permits, and did all the work according to county standards. When we received the insurance check and our mortgage company ( Flagstar Bank ) was listed as a payee, we promptly contacted our mortgage company on XX/XX/19, opened a claim, and endorsed our insurance check and sent it to them. We promptly completed all necessary paperwork for the mortgage company, and were told that they needed to complete their own inspection before our money would be released. I was told by phone on XX/XX/XXXX that once the request was processed ( two days ), an inspector would contact us within three business days. When that window passed and I emailed the company to inquire, I was was told in writing on XX/XX/XXXX that the window was not three business days, but 5-7 business days. 

Today is XX/XX/XXXX and we still have not been contacted by an inspector. I have called our mortgage company multiple times and have been given various reasons why the inspector has not contacted us yet. They will not give us the number for the inspector or release any funds to us until the inspection has taken place and their report is submitted. They have stopped responding to emails and every time I call I have to wait on hold for a long time to be connected to a supervisor, as they have told me they have no direct number. In the meantime, this is causing extreme financial hardship for us because we paid out of pocket to complete all repairs in a timely manner.

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 2021-06-01
Company: Rent Recovery Solutions
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rent Recovery Solutions is reporting an erroneous debt on my credit file. They are double reporting a debt on my credit file. They are reporting two collections for XXXX XXXX. For starters i never received a letter call or notice about this debt which is a violation of my 30 day right to dispute. Second double reporting a debt is against the FCRA guidelines. They need to remove this debt from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I HAVE CONTACTED EXPERIAN AND THEY STILL WILL NOT CHANGE BARCALY CARD TO PAID STATUS WHERE IT SHOULD BE AND STILL WILL NOT REMOVE XXXX ACCOUNT OFF OF MY CREDIT REPORT AND OTHER CREDIT REPORTING AGENCIES BECAUSE IT IS NOT MINE AND MY CREDIT SCORE IS STILL LOW ON ALL CREDIT REPORTS IT SHOULD BE ALOT HIGHER THAN XXXX WITH ALL THE PAID ACCOUNTS. CAN SOMEONE PLEASE HELP ME I AM TRYING TO GET INTO AN APARTMENT.

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 2021-09-13
Company: Nelnet, Inc.
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. On XX/XX/XXXX, I the consumer, a natural person sent Great Lakes an affidavit of fact and they default on the rebuttal. Law states you have to rebuttal with a rebuttal or the affidavit stands as true. 
Affidavit uncontested unanswered [ United States v. Kis, 658 F. 2d 526,536 ( 7th Cir.1981 ) ; Cert . Denied, 50U.S.L.W. 2169 ; S. Ct. XX/XX/XXXX ] " Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit ''. [ Group v Finletter, 108 F. Supp. 327 Federal case of Group v Finletter, 108 F. Supp. 327 ] An affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true. 

On XX/XX/XXXX, I sent a Default and Opportunity to Cure with an invoice of consumer laws broken. They still defaulted with no verification of their claim against me. ( a sworn affidavit )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Resurgent Capital Services L.P.
State: FL
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 submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is my third attempt with Transunion for an item XXXX XXXX XXXX XXXX. The item was deleted on XX/XX/2017 and recently was reinserted in my report. I have reached out to them asking them to investigate this issue and they have failed. 

In accordance with FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required by law to notify me of reinsertion in writing within 5 days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency None of the above steps were taken according to law. Transunion has violated FCRA laws and has continued to violate by not properly addressing and investigating this issue. I am asking a third time to please remove this item from my report due to the blatant disregard for consumer laws.

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 2022-12-16
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
These is from XXXX XXXX XXXX, I move in 2020 to a new location I cancel all my services with XXXX XXXX XXXX and XXXX took over my services. I am using the same phone number and in order to have another company to accept you your account need to be clearafter a year I get a bill from XXXX XXXX XXXX I call them when around I dont no how many times and diferente manager from different department tell me that was a mistake, that will be taking care. Know I see that is been place on collection, an no one has contacted me to let me no, I dont have any balance with them at all. Do I need to get an attorney. Please help me with these matter, I was a costumer from XXXX XXXX XXXX for over 30 years, and because I change carried due to the high bills, they trying to do these.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Someone get my money without the card for {$920.00} on XXXX and I call edd bank of america on that day

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 2021-06-27
Company: Experian Information Solutions 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 received a copy of my Experian credit report and found the following item to be in error. 

The following address does not belong to me. 

XXXX XXXX XXXX XXXX, XXXX GA 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 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized Inquiries and addresses they have failed to fully validated that I initiated. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries and addresses that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 
Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX XXXX ) XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX - Date Filed : XX/XX/XXXX 7 )  XXXX XXXX - Date Filed : XX/XX/XXXX 8 ) XXXX - Date Filed : XX/XX/XXXX 9 ) XXXX XXXX   - Date Filed : XX/XX/XXXX Reporting Address : XXXX XXXX XXXX XXXX, MI XXXX Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Parkesburg, PA XXXX SSN : XXXX DOB : 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 2018-03-20
Company: Experian Information Solutions Inc.
State: PA
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:
Experian has refused to reinvestigate a HIPPA violation on my report I have asked several times and they have refused to investigate XXXX XXXX which has access to my private health information without my knowledge or permission. Please reinvestigate this serious offense.

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 2021-11-05
Company: FIRST PRIORITY MORTGAGE, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This is the XXXX time I have tried to file a complaint about XXXX priority. Why was my complaint deleted as if I never filed??? I received an email saying they have responded but when I log into my portal, it says no complaint. Why has this been ignored or removed from my file?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Union Credit Corporation
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: Old information reappears or never goes away

Complaint:
There are a few accounts that reflected on my credit from a company Union Credit / XXXX, I wasn't informed It was owed until it was reflected on my credit file. I have insurance and as soon as I saw it appear I took care of it. I feel it is wrong to have such accounts listed on a consumer 's credit file without even knowing it was owed. Please help I am requesting it be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have an XXXX account with no limit but Experian reports that I have {$1600.00} limit or {$0.00} limit instead of just being N/A and whenever I use the card the balance owed make my usage above 500 % which lower my score. 
I'm supposed to have no limit on that card. Spoke already with both XXXX and Experian and each ignore and sends me back to the other company. I will file a lawsuit against both if not fixed as it damages my score and I can't get my mortgage for it XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XXXX XXXX Usage XXXX XXXX Balance {$6900.00} Balance Updated 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 explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: AL
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 disputed the bankruptcy on my credit report multiple times and the credit bureaus refuse to remove it. Each credit bureau has rated that the information has been verified with the courts. The courts have informed me that they did not verify a bankruptcy filing with any credit bureau. 

I demand that the credit bureaus immediately remove the bankruptcy as they knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. They have not verified a bankruptcy with the courts Should they continue to insist that the information is verified, provide name, address, and contact information for the data furnisher in writing. I will then take legal action against the fraudulent furnisher of this 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 explanation
Consumer complaint received 2018-05-07
Company: WELLS FARGO & COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX my car was total out my insurance company pay the book value of the car it XXXX but Wells Fargo is still making me pay the difference of the car the balance is left on the car of is XXXX I was on charge for this car could you please help me 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 2021-11-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2017-11-27
Company: Navient Solutions, LLC.
State: ME
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:
My loan is less than 30 days past due. I receive multiple calls per day from Navient regarding it. Today ( XXXX XXXX 2017 ) I  answered and explained we are in the middle of an unplanned issue with our bank and will bring my account current as soon as its rectified. The representative immediately said Okay I will go ahead and put your account into forebarance and you wont have to worry about it until after he holidays. I immediately said no that is beyond unnecessary as my monthly payment is only {$41.00}! I can bring it current within a week. 

I am reporting this because it is irresponsible of Navient to immediately steer me towards forebarance ( again ) when my overdue balance is less than {$50.00}. I know there is pending legal again being considered against Navient, for this exact unethical behavior and I will not stand for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: ALLY FINANCIAL INC.
State: CT
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:
Ally Financial has inquiries on all 3 of my credit reports that I did not authorize, I tried having this removed from my credit file with all 3 credit Bureaus and they state Ally Financial verified it, however I never authorized it. the dates are XXXX XXXX, 2016and XXXX XXXX, 2016.

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 2020-05-04
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: Account information incorrect

Complaint:
On XX/XX/2020 I spoke with a manager concerning my account and per our conservation there ae some inaccuracies with what they have reported and what is being shown. Please see the attached inaccuracies as opposed to what XXXX  and Transunion are reporting.

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 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2019 I went to my local XXXX store in XXXX Tn and singed up for the Veterans phone plan with financing for 2 XXXX phones. The XXXX of the store informed me that because my husband was a veteran we qualified for this plan and that it could be in my name since we were married. However this information was incorrect and according to XXXX policy the plan had to be in my husbands name, which we found out a few days later when I tried to verify his veterans status and was unable to do so since the account was in my name. We then had to go back into the store and switch the entire account including the phones financed into his name. At this point I called XXXX and asked them to remove the hard inquiry from my credit score since it was not fair to have an inquiry on my account for a phone plan they had sold me using false information. They agreed that this was reasonable and that they would authorize the removal but that I needed to contact consumer finance to get the hard inquiry removed with the credit reporting agency 's via a letter of deletion. On XX/XX/2019 I contacted Trans-union, XXXX, and XXXX the 3 credit reporting organizations which I know about and tried to dispute this hard inquiry. As of today only XXXX has record of it however I assume that it will show up on the other 2 scores at some point in the future and I need a letter of deletion so that I can dispute all 3 as they appear on my score.

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