BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of XXXX XXXX and XXXX, and TRansunion are reporting 30 day late payment for XXXX account on my credit report. The Cares Act states that NO Late Payments are to be reported to the financial bureaus during the time of Covid 's Forbearance period. I have written disputes to all three credit reporting agencies the account that they are reporting as late and XXXX has deleted it but XXXX and Transunion have not deleted the 30 day late payment. I need XXXX, and Transunion to abide by The Cares Act. They are violating The Cares Act. This is a law to protect us that have been affected by the Covid. Please help XXXX, and Transunion update the XXXX account to reflect a clean and on time payment history, and DELETE the thirty ( 30 ) day late payment. This has caused my rates to increase for my medical insurance and I have been denied for loans due to this inaccurate information that XXXX and Transunion are reporting on my report. They are violating my rights.Thank you for your hep with this matter.

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 2018-05-15
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To whom it may concern : I have been dealing with Ally Financial for approximately 6 years with an auto loan. In the month of XXXX I had spoke with an Ally representative requesting an extension for my XXXX payment. The represented submitted my request and I was advised they will contact me to verify if request was approved or denied. 
The following week I received a phone call from Ally requesting to collect a past due balance. During the call I advised the representative that an extension was submitted and requested if we could review that. The rep places me on hold for a minute or two. Once they break the hold they advised that they request was approved. I asked the rep again to verify it was approved and they stated yes. I then asked if this was approved why am I receiving this phone call? The lady apologized and advised she will have my information removed. About a week later I received another call requesting to collect a past due amount. I speak to the rep and they stated the approval was never approved. I then asked if every call is notated and if they can pull up the notes and if I can speak with their representative. They then confirmed that they see a call was made out on that day but no notes were left on the file. My next request was to speak to a supervisor to have that call pulled. The supervisor said they have to submit the request and a manager will give me a call back. 
A week passes by and I receive a call from a " supervisor ''. The gentleman most likely did not read any notes. I had to explain everything again to another representative. Once I brought him up to speed I asked if they obtained the recording. The gentleman advised no and then stated he will have his manager reach out to me within 2 days. After not hearing from anyone I attempted to call back the number the gentleman called me from but the number was not valid. 
After calling back the customer service number I spoke with a gentleman by the name of XXXX who actually read over the notes thoroughly and apologized. He then advised he can not pull the recording but advised me to switch my bill date for the time being in order to prevent the negative hits I was receiving to my credit score.  He then stated that I will be contacted the upcoming business week from a manager. This issue began in mid XX/XX/2018 at this very moment XXXX pm mst I am on my 4th call to Ally in efforts to resolve my issue. The most upsetting thing about this process is that there is no representatives you can speak with in the states. My credit score has been dramatically impacted by this run around and I have yet to receive any resolution at this time.

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 2023-05-12
Company: Experian Information Solutions Inc.
State: MD
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:
When I reinvestigated my updated credit report, I see that some of the accounts were erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Social Finance, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, we received and signed a Closing Disclosure with a XXXX XXXX   XXXX amount of {$17000.00}. 

On XX/XX/XXXX, we received and signed a Closing Disclosure with a XXXX XXXX   XXXX amount of {$17000.00}. 

On XX/XX/XXXX, we received and signed a Close Disclosure with a XXXX XXXX   XXXX amount of {$19000.00}. 

On XX/XX/XXXX, we received and signed a Close Disclosure with a XXXX XXXX   XXXX amount of {$19000.00}. 

On XX/XX/XXXX, we received an email stating the XXXX XXXX XXXX amount was {$18000.00}. 

On XX/XX/XXXX, we received an email stating the XXXX XXXX XXXX amount was {$21000.00}. We were asked to close on XXXX. 

We purchased our home in XX/XX/XXXX. We are entitled to a title premium discount of 50 % according to the Texas XXXX : XXXX XXXX XXXX 

On XX/XX/XXXX, I requested an updated Closing Disclosure for us to sign, reflecting the new XXXX XXXX  XXXX amount quoted in the email, and also reflecting the premium discount. I received the following response on XX/XX/XXXX : " You signed a closing disclosure at the end of XXXX, that took care of the 3 day waiting period. The title company is working to balance and finalize docs and I should receive it tomorrow. The title premium discount lowered the premium for the title insurance, the lowered title insurance premium is shown on the last closing disclosure that I sent you. '' It is now XX/XX/XXXX. According to ( 1026.19 ( f ) ( 1 ) ( ii ) ( A ) ), we are supposed to receive a Closing Disclosure with the exact XXXX XXXX XXXX three business days prior to closing. 

XXXX is a Tuesday. Walking backwards : Monday, Saturday, Friday marks three business days, ergo Thursday XX/XX/XXXX is the latest we should have received the Closing Disclosure. 


On XX/XX/XXXX, I instructed SoFi to cancel the closing pending the outcome of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was on a deferment and they marked me late multiple times. There are also many instances of duplicate reporting and it has completely ruined my credit. The unfair practices has affected my purchasing power by devastating my credit. Rather than assisting me to repay the loan I was pushed in deferment, which more than doubled the principal of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of XXXX XXXX and Experian, and XXXX are reporting 30 day late payment for XXXX  account on my credit report. The Cares Act states that NO Late Payments are to be reported to the financial bureaus during the time of Covid 's Forbearance period. I have written disputes to all three credit reporting agencies the account that they are reporting as late and Experian has deleted it but Experian and XXXX have not deleted the 30 day late payment. I need Experian, and XXXX to abide by The Cares Act. They are violating The Cares Act. This is a law to protect us that have been affected by the XXXX. Please help Experian, and XXXX update the XXXX  account to reflect a clean and on time payment history, and DELETE the thirty ( 30 ) day late payment. This has caused my rates to increase for my medical insurance and I have been denied for loans due to this inaccurate information that Experian and XXXX are reporting on my report. They are violating my rights.Thank you for your hep with this matter.

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 2020-11-28
Company: EQUIFAX, INC.
State: SC
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 am requesting to remove the fraud alert on my Credit report. I've sent mail about it but I haven't got any response yet from the credit bureaus. Please help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: ONEMAIN FINANCE CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Today, XX/XX/XXXX I called in to speak to my "Assigned Rep" for a personal loan I applied for online first with this company. In speaking to the rep named, XXXX XXXX, she denied me the opportunity to submit my application to underwriting where they can review my credit and income documents. She said "you are denied and you are wasting your time" and kept insisting I use a vehicle or some other sort of collateral instead. I again mentioned that I would like to proceed with my application for the personal loan since you pulled a hard inquiry on my credit and she did not allow me any opportunity to move forward on my application and denied me the opportunity to review any of my income documents or anything else. I feel like I did not have an equal credit opportunity and was discriminated against by the rep specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX. XXXX 2023 my house burned. My insurance company XXXX XXXX XXXX sent me two checks for XXXX and XXXX. I deposited the checks into my banking account with Regions in XXXX, Tennessee on XX/XX/2023. Regions held the checks until they proved the check were good. The checks were deposited into my banking account XX/XX/2023. On XX/XX/2023 regions bank decided to take out my checks putting me a - {$19000.00} in the hole. Today is the fifth day of me being promised it will be fixed and it is not yet. I and XXXX XXXX XXXX agent XXXX XXXX has done everything ask.

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 monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has failed to investigate disputes accurately and in good faith This is the first of many letters that will calm and be filed. first one as a result of not looking into unauthorized inquiries and removing them. Despite providing no proof of any sort of signed or authorized inquiry of my credit report, XXXX will not delete the fraudulent credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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:
I ordered a copy of my report from XXXX and I found out that the credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the Equifax, XXXX, and XXXX has not replied to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts : XXXX  XXXX Balance Owed : {$3900.00} ; XXXX  XXXX Balance Owed : {$4600.00} ; XXXX  XXXX Balance Owed : {$3300.00} ; XXXX  XXXX Balance Owed : {$0.00}, as I believe these are reporting in error. I request an investigation and verification of these accounts to appear accurate information on my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I checked with XXXX XXXX website. I have an account with them. i determined XXXX has my negative credit rate. I never have XXXX. I am hard of hearing cant have phones. I tried to depute with XXXX. XXXX requested me an account number for XXXX to access fixing the dispute problem on website page. I dont have XXXX account. I stuck with this item. I expected to report with XXXX about fraudulent XXXX. XXXX did nothing to help they are just a phantom. I stuck with XXXX that i never have this account.

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 2023-05-12
Company: Experian Information Solutions Inc.
State: MS
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank of America representative XXXX XXXX of XXXX XXXX XXXX department. Started I owed a wrong amount since XXXX of XXXX when the account was closed but still incurred illegal late fees. Secondly the representative stated that they will continue to report the charge off indefinitely eventhough the federal statute prohibits 5 years to 7 years in the state of New York. The {$260.00} I do not owe and its been illegally reporting on my credit for 7 years. SECTION 380-J Prohibited information General Business ( GBS ) CHAPTER 20, ARTICLE 25 380-j. iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;

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 2023-03-21
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-05-08
Company: EQUIFAX, 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 status incorrect

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 XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. XXXX XXXX XXXX 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. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. XXXX XXXX XXXX have indeed violated my rights with harassing phone calls. This is the same company who was found guilty for illegal debt collection practices and consumer reporting violations in XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I saw a collection account from G C Services in my credit report. Was not given any written notice about this account prior. I called them and they said it was an account with XXXX. I told them I do not owe XXXX any money and proceeded to dispute the account. They sent me a letter dated XX/XX/2023 stating that they had contacted their client and that the debt was confirmed. This service was never used by me because they violated the agreement I had with them on the service. When I called XXXX to renew my internet service, the representative offered me a promotion which included internet and cellphone service. The said promotion was to have internet service for {$50.00} per month and unlimited text, call and data service for XXXX per month with a total of {$62.00} tax inclusive. And was told I will receive one bill. I was sent a contract link to my phone, which I reviewed and approved. The next thing I new I was being billed separate and much more than what was agreed upon. I called customer service to try to resolve that and was told that I have to pay what I was billed. I asked to speak to a supervisor and she told me the same. I asked her for a copy of the contract I signed and she told me there was no contract. I then told her that I had not business with them. I never used the service for one day. I only agreed to it because of the cheaper bill. I expressed to the rep that I did not need an additional phone. A couple of weeks later I called again, and he lady I spoke to expressed the same as the others. I asked her for the contract, she seemed like she was going to send it and then told me she couldn't. I told her like the other that they should cancel my service all together with XXXX. Even after the internet cancelled my service, the mobile service kept sending me bills that varied.

Company response to consumer: Closed with explanation