BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: Ability Recovery Services, LLC
State: IN
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:
Ability Recovery - a collection agency for XXXX University has been reporting a false debt to my credit report. I applied to go to that university and filled out all the documents per their instructions. They made it seem like I was being enrolled, but then told me they could n't accept my high school transcripts because the state of Indiana sends them electronically and they can only accept official hard copies of the transcripts from the state. After explaining this to them and even conferencing someone from the Indiana Dept of Education on the phone with them, they still said they could not accept my transcripts. They waited until I participated in an online class setting to tell me this. I 'm guessing this was to try to trap me into this debt by saying I participated. That was shady and should be illegal if it 's not already. <P/>Now, I 'm stuck with a debt that I have no idea is legal to be there. I never attended their university. They collected my government financial aid, but never accepted me or fully enrolled me. <P/>This is damaging my credit report and I will not pay a debt to attend a school I never attended - by their own admission when they said my transcripts were denied. I 've tried to dispute this through all of the credit bureaus, but to no avail. I have spent time and money for shipping costs to these credit bureaus and they are n't able to help me. The blemish on my credit is preventing me from obtaining credit from other places ; including getting a mortgage. <P/>I would urge you to request correspondence from XXXX regarding our conversations. They have them in their emails. They explained to me on multiple occasions that I was not fully enrolled because of my transcripts. <P/>The amount they 're trying to collect is {$2400.00} and I will not pay one penny to them. I 've been told this wo n't be removed from my credit report until 2023 and that is unacceptable. I do n't understand how a university can fraudulently collect debt this way and they already got federal financial aid in my name, as well. <P/>I need help in this matter. XXXX has been underhanded, greedy, and dishonest. Please help. <P/>I 'm enclosing an email stating they received an unofficial transcript and them requesting another. This is after I had to pay for the state to send the " unofficial '' ones. You can see clearly in the email that they REQUIRE an official hard copy, but per the state of Indiana Dept of Education, they do n't provide hard copies. I was never fully enrolled according to what they ( XXXX ) say that they REQUIRE hard copies of a document that I never provided. How can they collect on an account that never truly existed? <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: CA
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 recently obtained a copy of my credit file and there are many mistakes in my report.   According to the Fair Credit Reporting Act , Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.   I demand to see Verifiable Proofs of the accounts you listed as below :  XXXX   XXXX   XXXX   XXXX  -ACCOUNT NUMBER  XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX   XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX  : Unverified account   XXXX   XXXX   XXXX   ACCOUNT NUMBER  XXXX  : Unverified account  XXXX   COUNTY  RECORDER DATE FILED  XXXX / XXXX / XXXX  : Unverified public record US BKPT CT CA  XXXX   XXXX  DATE FILED  XXXX / XXXX / XXXX  : Unverified public record Additionally, my address is  XXXX   XXXX   XXXX   XXXX   XXXX   ,  CA  XXXX  Please update.

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 2019-11-04
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried for six weeks to get XXXX to endorse and send checks from Insurance company to pay for work done. 

XX/XX/XXXX Roof Damage XXXX XXXX issued half payment check to get work started. 
I mailed to XXXX XXXX they endorsed and Work started. 

Work was completed XX/XX/XXXX. 
Insurance company inspected and approved Issued checks for final payment County inspected and signed off on the work as well. 

I mailed insurance checks again to Mortgage company and they returned them UNENDORSED. 

They claim they needed to see the estimate and W9 for the roofers and a list of documents. I mailed the documents and check AND ALSO faxed them as requested. 

I was told they do NOT correspond through Email. 
I then received a letter stating that they understand that I have had damage. 
Which makes no sense since they endorsed the checks to start the work. 

I called and was then told that the roofer needed to fill out one of their special forms. 
I requested it sent to me as well as a call back from a supervisor. 

Six weeks have passed and they are still holding the checks from the Insurance Company. I am not able to pay the roofers who did the work. 
As far as the insurance company is concerned the work is done and the claim is finished. 

Each time I call they are rude and I feel as if they are being unreasonable when I only want to be able to pay the workers for what they did. My insurance company provided the check payment. This is just a simple endorsement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, 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 status incorrect

Complaint:
The credit reporting agencies incorrectly show that I closed an account which I did not. I tried to call them but either they only have an automated phone menu or in the case of XXXX XXXX do not even have a phone #. I called Equifax and XXXX XXXX without being able to speak to a representative. The account that they list incorrectly is for a jewelry store named XXXX. Recently this store changed the bank they use and I was sent a letter stating that I would receive a new card this month. However, this will end up being listed as a new account thus negatively effecting the age of my credit. These agencies are crooks! Equifax proved that in the past few months. Why do you allow them to collect all this information on me and do n't at least force them to allow access to a representative to correct false information? I have been working for 2 years to build up a good credit record so that I can buy a house at a good interest rate but they work against the consumer at all times and for the banks to cheat you and hold you back. I have a 100 % on time payment record but when they throw in all the other factors there is no way to win. " You have too few accounts, the age of the credit is too short etc. '' Open more accounts and it lowers your credit age. This is a totally unfair system which the government sanctions! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: CA
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:
When I was in college in 2002 I had some non government guaranteed private loans with XXXX XXXX. I subsequently filed bankruptcy, and these accounts were included in the bankruptcy. I was told they may not be discharged. <P/>Since then, the accounts appeared as XXXX XXXX accounts and I had them removed from my credit reports. Recently, they have all been reappearing as XXXX XXXX. These accounts were closed and charged off over 10 years ago and XXXX is reporting them as still active and able to be reported on my credit report. This is in clear violation of the FCRA and the FDCA. <P/>Please assist me In the removal process. I have attempted to contact XXXX and also disputed with the credit bureau ( Experian ) XXXX and XXXX have corrected the issues. <P/>Thank you, XXXX XXXX SSN- 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 2017-11-14
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
See complaints XXXX and XXXX. Company 's response did not resolve my issue - Navy Federal refuses to credit my account for the stolen debit card 's unauthorized transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Experian Information Solutions Inc.
State: VA
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:
There are 2 account on my Experian report that is incorrect. These accounts were included/discharged with my chapter XXXX bankruptcy. I have filed disputes with Experian and they keep saying the information is correct and will not change it. The accounts are with XXXX XXXX XXXX and 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 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a freeze on my credit with all 4 credit reporting agencies. 
I paid each credit reporting agency at the time of placing the freeze. 
I am in the process of moving and have to open a new bank account. 
Transunion is trying to make me pay to temporarily lift the freeze I placed. 
I should n't be punished for proactively trying to avoid being a victim of identity theft- I already paid for the privilege of attempting to protect my credit information and should not have to pay again, and again, and again.

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 2017-11-14
Company: LEXISNEXIS
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:
The company Lexis Nexis has reported a XXXX XXXX XXXX as XXXX XXXX XXXX XXXX on my record. All of a sudden all of my affordable insurance have gone through the roof!!! I requested a copy of my insurance scores by making an on line account after a nice gentleman told me about them..I had never heard of them. They locked me out!! I sent a letter returned. I am in insurance XXXX. I cant get new insurance anywhere ... I am now a risk. I have good credit own a home and no ticket. I am XXXX this has ruined me. 
Here is the address : XXXX XXXXXXXX XXXX XXXX GA XXXX Here are phone numbers that dont work : XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am being charged for an autho policy insurance that I got back in XX/XX/2021. The thing is they sold to me a misleading information or policy because I signed up to pay 1300 for an insurance annually which is like XXXX dollars a month ; that was supposed to include full coverage and other insurance. Later on, my rate was increased without letting me know. So I canceled the membership and request a refund. They gave a full refund and canceled the membership like in a week. I have the email of the person from triple A that canceled my membership they lied to me about the prices. Now after almost a year a third party is trying to collect XXXX dollars and XXXX dollars on behalf of triple A saying that I owed them when they clearly gave me a refund and didnt provide the service and on top of that lied to me. Because of them I lost my discount with my other insurance. I dont owe them anything now this agency sent me a letter and I called them and they didnt let me explain. The lady threatened me about damaging my credit and I think this is not fair because the service was canceled by they agency because the manager and agent who sold the insurance to me recognize she lied and changed the money I was supposed to pay. I have the emails and my bank statements staying the processed the refund for the money I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Bread Financial Holdings, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 - 30 days late mark I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Navient Solutions, LLC.
State: CA
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:
When I was in college in 2002 I had some non government guaranteed private loans with XXXX XXXX. I subsequently filed bankruptcy, and these accounts were included in the bankruptcy. I was told they may not be discharged. <P/>Since then, the accounts appeared as XXXX XXXX accounts and I had them removed from my credit reports. Recently, they have all been reappearing as Navient XXXX These accounts were closed and charged off over 10 years ago and Navient is reporting them as still active and able to be reported on my credit report. This is in clear violation of the FCRA and the FDCA. <P/>Please assist me In the removal process. I have attempted to contact Navient and also disputed with the credit bureau ( XXXX ) XXXX and XXXX have corrected the issues. <P/>Thank you, XXXX XXXX SSN- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: AES/PHEAA
State: CA
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:
My student loans were previously being serviced by XXXX, but when I applied for the Public Service Loan Forgiveness they were immediately moved to FedLoan. My loans have now been with FedLoan for about 2 months and they are not showing any of my previous qualifying payments! Some of my loans should be ready to qualify for forgiveness now, but FedLoan says they don't know why my payments aren't showing. I have emailed them multiple times, asking for these corrections to be made but nothing is happening!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
During the recent hurricane and extreme heat season my home was overwhelmed by a number of electric issues. I care for my XXXX year old mother so extreme heat and ability to refrigerate her medicine is an issue at all times. My electricity went out for a number of days which caused me to have a technician come out to my home. The tech was alarmed to find that my electric wiring was in such a terrible state that he didn't feel safe leaving without doing a major overhaul of the home. The tech claimed that the home was a fire hazard and that any competent inspector would have declined to approve the home for sale in such a state. I explained that home was bought less than 5 years ago and he said the issues would have been terrible for at least a decade. I tried to contact my mortgage company to find out who inspected the home and why they would put my family in this type of danger. Rushmore loan management has refused to provide any info and also has stonewalled my request that I made through legal representation. I feel that as a Veteran the homes that are sold to us should not be a threat to XXXX  us or our family. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had 9 fees charged to my bank account from XXXX XXXX XXXX from in the month of XXXX alone that they were not authorized to take out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14
Company: Checkr, Inc
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Through a backround and XXXX check provided by 'CHECKR ', previous driver 's license info was not shown ; report shows current Wisconsin license issued several months ago, but no mention of Illinois driver 's license that was active and in good syanding for many years prior to Wisconsin License.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: I.C. System, 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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : AT T ) XXXX ... I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX ... I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This is the second CFPB complaint that i am filing about account ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX i filed the first complaint stating that On XX/XX/XXXX i sent a hippa letter to XXXX credit Bureau on XX/XX/XXXX they sent me an notification on XXXX stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that XXXX was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and transunion was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date. After sending this first complaint the company sent a message stating that they were gone to investigate it on XX/XX/XXXX they were still supposedly working on it.. Then on XX/XX/XXXX I received a email stating that the dispute was finished and updated but when i went to check the results absolutely nothing has been changed its the exact same way and reporting the same info as before the dispute

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 2019-06-14
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan via XXXX XXXX. Called XXXX XXXX XXXX which is actually 1st National Bank of Omaha in XX/XX/XXXX. I called to follow up on status & was told a letter was sent ( declined ). 

I verified the address and they left out my apartment, which I gave & was told on XX/XX/XXXX by 'XXXX ' it was sent " on the XX/XX/XXXX ' ( XX/XX/XXXX ). 

I never received the letter, so I called XX/XX/XXXX @ XXXX XXXX mountain time zone and spoke to'XXXX '. I recapped my experience and that it is ILLEGAL NOT T O SEND THE LETTER. He expressed that was his understanding. 

As of today XX/XX/XXXX, I have not received my denial letter as required. 

I intended to pay off a rip off loan that I plan to file a separate complaint.

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