BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I funded my savings accounts on three separate occasions to my Ally bank account The first was on XX/XX/XXXX in the amount of {$60.00} The second one was on XX/XX/XXXX in the amount of {$110.00} the third was on XX/XX/XXXX in the amount of {$50.00} Once the funds were received, I allocated them to my savings buckets within my Ally Savings account. The money was available until I started to receive a message that read something to the effect of buckets unavailable, please try again later. 

I then called Ally on XXXX and spent a good amount of time on the phone with their rep who was not very helpful and requested screenshots of the transactions, which I sent over and they said it would be escalated. I called the bank again on XXXX and was told that there was nothing they could tell me other than a tech team was working on it. It is now XX/XX/XXXX and I have had no word back from the bank and I am still out {$220.00}. I have transaction logs of the money being deposited and allocated to my savings buckets. I have researched and it seems that other people have been having the same issue, so who have been waiting 5 months and still no 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 explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-12
Company: GRB Law
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
GRB Law and the city of XXXX, PA I pay the city of XXXX all back taxes but the city sold my account to GRB LAW and they want me to pay them. 
This will be twice i pay the city know the collection agency GRB want me to pay them. I never had a contract with them and how did they get my data. On XX/XX/XXXX the XXXX XXXX refuse to hear me and gave me a order to pay the collection agency {$3000.00} this bill is pay in full and the collection agency are threatening me to put my house up for sale.

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 2021-03-22
Company: Dovenmuehle Mortgage, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, my Mortgage Company ( Dovenmuehle Mortgage, Inc / XXXX XXXXXXXX XXXX ) and I entered negotiations for a loan modification due to a family hardship that caused us to become late on our XX/XX/XXXX and XX/XX/XXXX payments. The terms of the agreement were finalized in XX/XX/XXXX and agreed to by both parties and the new terms would have a 3 Month trial period ( XXXX, XXXX and XXXX of XXXX ) we completed the terms as stated in the contract ( attached ). It clearly states on pages 11 and 12 that the agreement that my right to appeal ends on XX/XX/XXXX and we did not choose to appeal therefore per the details of page 12, we should not have any additional late payments beyond XXXX as we made the payments of the agreement early or on time for XXXX, XXXX and XXXX. The trial period was completed and the official modification took effect in XX/XX/XXXX and we made that payment and all future payments on time until we sold our house in XXXX of XXXX. I am submitting supporting documentation showing the payments made and clearing our bank account, the trial period agreement, and the terms and conditions of the modification and need the late payments reflected on my credit report for XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I have had some recent financial hardships over the past couple of years due to some family sickness with our family, rising cost of living with little or no increase in income, damage to our house due to recent storms in our area, and the cost of putting our oldest of our two daughters through college and the youngest who is still in middle school. Due to these recent activities we have feel behind with our mortgage through Wells Fargo Home Mortgage Company. We have been in communication with Wells Fargo in an attempt to do a mortgage modification loan since XXXX of XXXX which was advised by a Home Preservation Specialist from Wells Fargo by the name of XXXX XXXX. During the time we have been in communication with Wells Fargo to setup a loan modification our home was hit by Hurricane Michael in XXXX of XXXX which caused some damage to our home with some flooding to our kitchen and hail damage to our roof and some leaks to our ceiling. We reported this damage to our insurance company and to Wells Fargo at which time we were told that may qualify for a program for home owners that were affected Hurricane Michael. While this was going on we were told not to worry about making any payments and the damages to the home would need to be repaired before any resolution to our modification would be resolved. Due to all the homes in our area and state that were affected by Hurricane Michael it took our insurance company a while to get an adjuster out to see the damages to our home and issue and check to Wells Fargo for damages and repairs to be issued to a contractor. As of XX/XX/XXXX the repairs have been made to our house and Wells Fargo has sent out people to our home to take photographs of the repairs on three different times. As of XX/XX/XXXX Wells Fargo sent us a letter in reply for our request to a modification saying it was denied and we have been approved for a short sale instead. We also received and letter on XX/XX/XXXX saying we could reinstate the loan by paying an amount of {$9600.00} by XX/XX/XXXX. We do not have this kind of money to save our home from possible foreclosure and felt due to Wells Fargo delaying and dragging their feet we have been put in an impossible situation.

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 2021-11-17
Company: EQUIFAX, INC.
State: MD
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Auto Finance Account # XXXX Has failed to correct and report proper payment status and balance of this account to my detriment. XXXX XXXX XX/XX/XXXX as well as XXXX, XXXX, and XX/XX/XXXX they have failed to fully report the status and balance of this account. Omitting this information has resulted in positive payment History creditors dropping me from making any withdrawals as these omissions are reporting as unknown and presumed as missed payments. I have settled this account with Capital One and they continue to report incomplete information. After settling this account they reported this account with a new major delinquency XX/XX/XXXX to the credit bureaus after agreeing to report the account as Paid/Settled Charge Off this creditor is spiteful and unjust even after I elected to settle the account in good faith. Even now they will not report the original balance, the date closed, past due amount which should say {$0.00}, or date of last activity. I have been told by Capital One that the new reports would be correct and after disputing with the bureaus they refuse in an effort to harm my odds of homeownership or favorable credit scores they have failed to report accurate and complete information numerous times please delete this account from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/XXXX an alleged creditor by the name XXXX XXXX XXXX is reporting an account on my consumer Experian credit report in the alleged amount of {$2200.00}. Experian was in receipt of dispute letter on XXXX XXXX, 2021 @ XXXX XXXX  There is an alleged original creditor listed as XXXX XXXX. Which makes XXXX XXXX XXXX a third-party debt collector. This account is not mine nor is any alleged debt mine, nor do I have any contract to do business with XXXX XXXX XXXXXXXX. I have written a certified mail letter to EXPERIAN and the CFO for Experian to verify the accuracy of the alleged account and alleged debt dated XXXX/XXXX/21 titled " Notice of Dispute Demand for Validation and Proof of Claim ''. As of XX/XX/XXXX Experian has failed to provide consumer with any accurate validation in writing pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681g, I expressed my right to demand that Experian disclose to me all of the documents they have recorded and retained in consumer 's file at the time of request concerning the alleged account that EXPERIAN is reporting on my credit report. Experian can not just reply in writing stating that EXPERIAN has verified any alleged accounts without providing the supporting full disclosure documents of how EXPERIAN has verified any alleged accounts or any alleged debts. I have not seen nor received any documents to support XXXX XXXX XXXX claims, nor any documentation from EXPERIAN for them to be reporting this alleged debt on consumer 's credit profile, which has violated and damaged consumer 's credit worthiness dropping score 92 points. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because EXPERIAN was unable to provide the necessary documentation.

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 2018-12-12
Company: CITIBANK, N.A.
State: CO
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:
SEAR/CBNA ( CitiBank ) This account was opened in XX/XX/XXXX May last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting Citi Bank re-aged the account to show closed on XX/XX/XXXX as a Charge off. 
I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.

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 2023-02-23
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle

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 2023-02-02
Company: NCB Management Services Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For XXXX  this company has been harassing me. While working, while at school, even while Im sleeping. They call from all kinds of different numbers and area codes. XXXX told me they sold the account to a third party for {$6200.00} to NCB. I said that was fine, but I had been sick and couldnt work for a XXXX XXXX and needed time to return to work. I then told them if they kept harassing me I would then contact a lawyer. They kept calling, then my XXXX calls me and tells me they keep calling her and telling her I owe this amount of money in debt which is illegal. Not only did they call my XXXX more than once, they disclosed private information. I will not tolerate this behavior and unprofessional by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: WV
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: MORTGAGE SOLUTIONS OF COLORADO
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX a loan officer representing " Mortgage Solutions of Colorado XXXX LLC '' provided false hope and committed fraud to underwriting, by giving them an income I never had and never would achieve ( just over five grand monthly ) on a loan he knew would never move forward. He lied to myself, underwriting, my realtor, XXXX XXXX, and the sellers agent, XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, someone withdrew XXXX XXXX from an ATM. As soon as I saw this I told my bank that it was fraud because I didnt have my card in my possession. They issued me a credit on XX/XX/XXXX for the full amount. Then as time go on they came to the decision that my claim couldnt be paid. So they ended up reversing the credit which put my account in the negatives. I reached out to my bank yet again trying to figure out whats going on and why wouldnt my claim be valid. As we were discussing we over the phone they said that I didnt provide certain information like not having my card in my possession and how they tracked my account to see if the person who withdrew that money was still trying to keep doing it. I kindly informed the lady over the phone that I indeed did let the claims department know that my debit card wasnt in my possession and it was missing for a couple of days but I didnt pay it any mind because I thought I lost it in my room. So I had the claim/case reopened with more information provided. Days pass and still said my claim cant be paid.

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 2021-03-21
Company: Receivables Performance Management, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Greetings, A debt collection agency by the name of " Receivables Performance Management '', contacted me 3 times in the same day on XX/XX/20 as well as XX/XX/20. I do have an outstanding debt with the original creditor " XXXX '' and we reached a settlement agreement of {$260.00} and have already paid half of this balance. Though the debt is valid, there collection efforts have been illegal two days in the row. 

Phone Numbers called from : - ( 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