BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
HERE 'S THE PROBLEM : Rocket Mortgage has sold the servicing of my loan in spite of declaring on my CFPB Loan Estimate form that they intended to service my loan. 

EVENTS : On XXXX XX/XX/2023, I received and email from Rocket Mortgage notifying me that my loan servicing was being sold to XXXX. M On XXXX XX/XX/2023, I called Rocket Mortgage, and submitted a copy of my CFPB Loan Estimate that Rocket Mortgage generated for me when I was refinancing. 

The CFPB Loan Estimate shows the same Loan ID # as my mortgage. 
At the end of page # 3, the CFPB prompts the loan originator to select 1 of 2 intentions for servicing the loan. The options short and concise. They are : 1. " We intend to service your loan. If so, you will make your payments to us. '' 2. " We intend to transfer servicing of your loan '' Rocket Mortgage selected option # 1. 

I confirmed this intent back when I was refinancing. I ALSO confirmed this on the original note, when I selected Rocket Mortgage as my loan originator over a competitor who did not intend to stay on as a loan servicer. I valued continuity and have heard about disorganized transfers of servicing, so I chose ( and chose again! ) to work with Rocket Mortgage. 

On XXXX XX/XX/2023, Rocket Mortgage had someone from their XXXX XXXX call me back. I stated very clearly that I wanted to stay a servicing customer of Rocket Mortgage and that I did not consent to the transfer-of-servicing. I was told it was happening anyway. I asked if they would ask XXXX to reverse the transfer. The representative said they could not. The representative offered that they would share my complaint with others to initiate a potential review of how this section is filled out for other customers, in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) from a private seller on XX/XX/XXXX via a loan from XXXX XXXX XXXX. 

On XX/XX/XXXX I woke up and the vehicle was gone from my residence. I tried to file a police report assuming it was stolen and the XXXX was ran and came back as repossessed by Ally Bank. 

I have no connection to Ally Financial, nor does the seller. They have offered zero help and have just taken my vehicle with zero notice or warning and now XXXX is asking for the money they lent out back. 

I am up to date on all payments and did not do anything to warrant a repossession of my property, nor was I warned of this happening. 

It may be important to note that the person I bought it from purchased this vehicle from an auction by the XXXX XXXX  XXXX. 

The vehicle DOES have a lien on it from Ally Bank but it does NOT involve me or anything I have done so I was hoping they would help me and they have offered nothing. Now I am out a vehicle and potentially money I dont have. 

Ally should be held accountable for taking my vehicle from me.

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 2023-07-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The unverified items indicated below continue 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 these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: IL
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 many accounts reporting that I was late on the account and never was. I have tried time and time again with the companys and I have had no success. They are all false reports on my credit and I need help getting them removed. 
XXXX  XXXX XXXX  last 4 of account XXXX was late on XXXX, XXXX and XXXX of XXXX. I was not XXXX XXXX XXXX  of account XXXX was late on XXXX, XXXX, XXXX, XX/XX/XXXX. I was not late. 
XXXX XXXX XXXX account XXXX was lat on XXXX, XXXX, XX/XX/XXXX. I was not XXXX XXXX XXXX  account XXXX was late on XXXX, XXXX and XXXX are all false XXXX  XXXX auto loan account of XXXX was late on XXXX, XXXX and XXXX of XXXX was false Department of education account unkown was late on XXXX, XXXX, XXXX and XXXX of XXXX is false as well Also many hard inquires were filed and need to be removed that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX card XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX card XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made based on a material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-03-10
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To date, I, a qualified consumer in/from New York state , due to new discovery ; I am an injured party/woman that has been and is being damaged by Navient Solutions , LLC XXXX XXXX XXXX listing inaccurate information on my credit reports containing erroneous school loan debts amounting to {$50000.00} ; It is my understanding Navient has entered into a CONSENT JUDGMENT with the United States Courts, and agreed to cooperate with the Signatory Attorneys Generals, New York Attorney General being one of them. ( My state ) ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Follow up to Transunion reporting being incorrect. XXXX. 
2 Weeks ago Transunion deducted XXXX points from my score. I filed complaint with CFPB and last week my XXXX points were added back on to my score. Today Transunion deducted XXXX points. All of my accounts decreased. My balance on XXXX XXXX was transferred to a 0 % interest credit card. XXXX and XXXX increased my score. Transunion decreased my score XXXX points. Transunion is inaccurate and all over the board please see attached documents.

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 2023-03-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


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 explanation
Consumer complaint received 2022-03-10
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter in the mail stating there was an account trying to be opened in my name and then the next day I received an alert on my credit saying Wells Fargo had opened an account in my name. 
I called the Wells Fargo fraud department and they were not any help at all. 
They said they would get back to me after an investigation. 
I dont think they were considerate of how serious this really is.

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 2021-04-24
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I traded in a vehicle to my local dealership this week. The original loan I used with this vehicle was through Santander. A year after I owned this vehicle I refinanced the loan through another lender due to high interest rates Santander provided. When going through the paperwork to trade in my 2013 XXXX XXXX, the dealer looked up lien information for the vehicle. Turns out Santander never sent a lien release to the state of Georgia for the original loan. So when the dealer looked up lien information it shows multiple liens on this vehicle. They are holding my vehicles title status hostage. When contacting Santander Title Department to get this situation rectified, the customer service representative I originally talked to was extremely rude and condescending. She even said she would not help us or provide information. I need this rectified, the dealership is in limbo and I may be out a trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: The Outsource Group, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son had an accident a few years ago. Without my authorization, he was flown by helicopter to the hospital. Afterwards I was told that I owed this helicopter company {$45000.00} for a 10 minute ride. This is ridiculous. I never gave them permission to transport him, and I was never told what the price would be before he was transported.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: KY
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX/dba/XXXX/dba/XXXX  RE-AGED and RE-ADDED a UNOWED debt of {$620.00} on XXXX XXXX, placing it on my XXXX, XXXX, and XXXX XXXX XXXX  On XX/XX/2017, I, XXXX XXXX XXXX filed a complaint here with consumer finance ( see attachment ) case # XXXX. Within this complaint ( # XXXX ) the debtor sent a request to all three credit bureaus to remove the account from my credit report, in which they did. Fast-forward years later an alert from all 3 major credit bureaus of the collections placed onto my credit report. 
The debt was RE-ADDED to my credit report as a new account ( which is the same old account ), with the same debt amount. 
The debtor did not communicate with me at any time concerning re-adding this un-owed debt, including never sending written correspondence to my home address, meaning they never identified who they were, who they are collecting on behalf of, nor the balance owed.The debt collector did must advise me that the debt was going to be re-added, so that I would have the opportunity to assert my rights under The Fair Debt Collection Practices Act, which would have given me 30 days to demand as has the agreement had been violated, before placing it on my credit report. Whereby I could have reintroduced the former agreement that the debt was removed from my account years before, and the debt was not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX  XXXX XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXX XXXXXXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  Bank XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-03-11
Company: Experian Information Solutions Inc.
State: MO
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 continues to report and retain incorrect, non-compliant data. 

My latest credit report, dated XX/XX/XXXX, indicates : Residences deleted - all three addresses, including an address in another state in which I've never lived is still reporting on my XX/XX/XXXX report. What residence was deleted? Apparently none. This is erroneous reporting! The only address they are required by law to report is my current address which proof has been sent. The other two addresses are not mine, especially the New York address they continue reporting. 

The alleged XXXX XXXX account has many compliance issues. Per FCRA and Metro 2 must be deleted if not compliant. Experian " verified '' erroneous data. High balance and credit limit are different. Alleged chargeoff can not have balance yet they're reporting one as of XX/XX/XXXX but have 5 charge offs beginning XX/XX/XXXX. They're reporting two consecutive months of " 30 days late '' but there are only 30 days in a month. 

Alleged XXXX XXXX - I do not have XXXX! 

XXXX XXXX XXXX is an absolute joke. They keep sending me " proof '' with statements bearing a New York address. I don't, nor EVER have, lived in New York! I WILL NOT send them my ID, SS card nor identifying info as requested. 

Alleged XXXX account has a high balance greater than credit limit. If OK XX/XX/XXXX how can report 90 days late in XX/XX/XXXX. A month consists of 30 ( 31 days ), how can 3 consecutive months be 60 days late? They are reporting 3 non consecutive charged off months. Impossible! 

Alleged XXXX XXXX account reporting 2 consecutive months 60 days late and 4 consecutive months of 90 days late. Impossible! 

Alleged XXXX account has high balance greater than balance, 4 consecutive months 60 days late and 2 charged off months. IMPOSSIBLE. 

Alleged XXXX XXXX account has 10 months of no data then boom a charge off. Really? 

Alleged XXXX high balance greater than credit limit. Charged off 11 times. Can they not make their mind up?

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