BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
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 status incorrect

Complaint:
On XX/XX/XXXX, my wife called our existing mortgage servicer, XXXX XXXX point and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. XXXX XXXX XXXX point has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that XXXX XXXX is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a XXXX XXXX error and that we should dispute it which we did once on XX/XX/XXXX and again on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: NC
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:
Hello. This complaint is against XXXX XXXX XXXX. They refuse to report to Equifax and the other bureaus that I paid off my car on XXXX. My Equifax report is showing a balance with XXXX for {$16000.00}. I disputed this and received the dispute results on XXXX stating that XXXX verified to Equifax that the {$16000.00} balance is correct. I cant believe that they were blatantly untruthful. I called them on XXXX and spoke to XXXX. She told me that they will report my payoff to the credit bureaus within 2 months of the payoff. However, it has been more than 3.5 months, and they did not do so. Today is XXXX and I paid it off on XXXX. 

I have copies of the car contract. It shows the date of the original sale ( XXXX ) and the balance ( after the down payment ) that was financed by XXXX XXXX XXXX {$16000.00} ). I have the printouts from my personal and business checking accounts. I made XXXX payments to XXXX totaling {$17000.00} from XXXX to XXXX. I have a copy of the car title that was sent from NC DOT. It has an issue date of XXXX. I have screenprints from the XXXX website showing my payment history and a note that my account is paid in full. Please contact XXXX on my behalf. Hopefully they will finally report to Equifax ( and the other credit bureaus ) that my account has been paid in full and has a {$0.00} balance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. 
no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433.

The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been 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 non-monetary relief
Consumer complaint received 2018-05-02
Company: ALLY FINANCIAL INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
on XX/XX/XXXX shortly before midnight my Ally Bank checking account had a charge posted to it - pending - for {$1800.00} from " XXXX XXXX '' in XXXX, XXXX. It completely wiped out the money in my account. I called Ally Bank immediately and told various representatives about the fraudulent charge. They said they could not help me until it was posted. I asked that they put a fraud alert on my account and cancel the card which the charge came through. They said they would handle both. On XX/XX/XXXX when I checked my account in the morning, the charge was gone. And my new debit card arrived yesterday XX/XX/XXXX. But a short while ago my account was charged again {$1800.00} by " XXXX XXXX '' in XXXX, XXXX! And it posted! I called Ally Bank and asked how this could have happened - I have a new card, there was supposed to be a fraud alert on my account - it was a charge from the exact same scammer! My account is now hundreds of dollars below zero and Ally Bank says it needs to investigate the matter and they do not know when I will get my money back! This never should have happened a second time! I need urgent help please. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: NY
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:
Dear XXXX Equifax XXXX I need you to fix this problem below please note that this is factual information taken directly from my credit report and these are blatant inaccuracies I would like for you to send me the DOC that are used in this investigation. 

These are the items I am challenging : XXXX XXXX XXXX Delete account for failure to perform and investigation per FCRA regulations because date of status did not changed and shows XX/XX/XXXX even though I disputed this account on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX is marked 30 days late on XXXX and on time with XXXX. This account is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked 60 days late on XXXX but 30 days late on XXXX. This is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked as 150 days late on Equifax but 120 days late on XXXX. Delete immediately XXXX XXXX XXXX. XX/XX/XXXX is marked 150 days late on XXXX but 129 days late on XXXX. Delete immediately Please expedite

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: GVA Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have been a victim of fraud and need to stop all ACH payments with this company. 

RE : Revocation of ACH Credit and Debit Authorization To Whom It May Concern : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. A copy of the ACH Authorization is enclosed. Please confirm receipt of this revocation, and your intention to honor it, no later than XX/XX/2018. Confirmation may be made via email at XXXX or XXXX Your signature, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion continues to report bankruptcy related information on a bankruptcy filed more than 10 years ago ( filed in XXXX ). My XXXX account was reaffirmed in my bankruptcy, so the remark on my credit report is " reaffirmation of debt ''. I should not continue to be penalized or have a " derogatory '' account in my credit file for a bankruptcy filed more than 10 years ago. In accordance with the FCRA, the derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. This same situation was happening with XXXX, so I filed a CFPB complaint involving TransUnion, XXXX and XXXX. ( It is also important to note that the XXXX account was closed on XX/XX/XXXX and XXXX XXXX  was closed on XX/XX/XXXX - both with perfect pay histories. ) TransUnion responded to the complaint ( and my phone call ) advising that XXXX and XXXX had to request the removal. XXXX has already done so, but XXXX refused to take action. Until XXXX takes action and asks for my credit line 's removal, I will continue to have a " derogatory '' remark on my credit file - and this is a violation of the FCRA.

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 2018-12-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1. Date opened XX/XX/2014 a credit card for XXXX i wasnt with spouse as of XX/XX/2014 so i never signed for a credit card we stopped living together as of XX/XX/2014 No actions taking by no one due to i am just now getting collection calls n i looked at credit report and seen about of stuff i didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My initial Fraud Affidavit was XX/XX/2010. Ive had two Attorneys since. FCRA multiple paid for fraud alerts. I was just prevented from opening a bank account because of bogua information that Experian refuses to remove. Wrong addresses, car loans I dont own, my actual credit cards paid in full are never on there. Worse Ive sent them evidence that cars were paid for, student loans paid off in XXXX, phones & credit cards I dont own. Yet what I do own never waa reported. I had a vacation trade on auto deduct, a XXXX XXXX collector came after me for a vacation membership paid for never used. worse all these years 10 years, they sent me a report with my name spelles wrong. no one had permissalble purpose. i never owned whats on the report. The same debt collectors never stop coming after me knowing I have ID theft/take over. i actually have every return receipt, my first attorney removed all false information. They never stoppes. My second attorney sued but that never stopped them. This became a full time job, and now it looks like I owe on the nothing that was mine. all clear id couldnt believe what they were seeing. the spelled my name wrong i follow their process, provided all proof return receipt. i cant have a bank account now. because they broke the law & medically honestly destroyed me. i physically confirmed the information is wrong by flying back Im not in companies systems so whom ever at the desk at the CRAs need to stop allowing it. i followed the law disabled & proved it year after year. Their excuse was we just report what we get, its 10 years of XXXX maybe they should secure their system & stop allowing it. ive spent so much money on companies I never gave consent to to collect info & report it. None of it is true yet they dont care even with truth. I could actually die being this sick unable to have nothing bc Im a number to them they dont care about

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 2020-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to cancel our PMI earlier than was scheduled. We paid extra on the loan as was required to bring it below the 80 percent threshold, but then first we couldn't get through on the number to figure what to do next ( and there was no information about this clearly stated on the Bank of America website ). We finally got through to someone once I filed a XXXX  complaint and complained on social media and that told me the PMI would be cancelled, but later someone else called and said I had to get an appraisal done. They sent out a letter about the appraisal costs, and I sent back a check for the appraisal along with a request that one be done. I thought the PMI would finally be cancelled, but I just got a notice from the company via their online system that the check was being remitted because our contact information was incorrect or they couldn't get ahold of us. This is clearly not true. We've been with BofA for years and all our information is clearly listed with them. We have regularly paid our mortgage and we do not have any other liens. They are making it impossible to cancel my PMI even though we've met the requirement necessary. It has now been almost 3 months since we paid off the XXXX percent.

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 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I called XXXX twice to remove a fraud alert from my account but it continues to be updated. I called regarding this issues on the XXXX, XXXX, and XXXX of XX/XX/2020. I was informed that this fraud alert would be removed but everytime i look at my report it is not removed and seems to updated to a new fraud alert after i call. 

I called Transunion for the same situation and was told that the fraud alert would be removed effective immediately across all three reporting agencies but it has not been removed on any of the reporting agencies web pages. 

My credit score  was decreased by 52 on XXXX and 74 points on XXXX. I was never given any information as to why it had decreased. Everytime i called i was re-routed to another credit reporting agency that gave me no information as to why my score would have decreased. I believe these organizations are fraudulent and they should be able to report the reasons for any changes to a credit report.

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 2020-03-27
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My complaint is about the vehicle loan I received from Santander Consumer USA. 
Santander Consumer USA ( https : //myaccount.santanderconsumerusa.com/Home/SignIn ) On XX/XX/2020 I made a payment of {$520.00} to cover the month of XXXX and XXXX of 2020. I also made another payment of {$260.00} for that one to cover the month of XX/XX/2020. So why am I being billed to make a payment on XX/XX/2020 We called them on XX/XX/XXXX at XXXX XXXX XXXX. We were told that they will put in a request and that we should check later that afternoon with the website to see the changes in our bill. We did so and today XX/XX/2020 we still see that we are being charged to pay on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
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: Information belongs to someone else

Complaint:
On XX/XX/2018 Equifax received notification from XXXX XXXX to remove the Fraudulently opened account. I have sent Police report stating I am a victim of Identity Theft and still no help. This XXXX Account along with a collection account XXXX in the amount of XXXX should have been removed back in XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE FILED MULTIPLE DISPUTES WITH EXPERIAN THEY HAVE YET TO FUIX THE FRAUD ERRORS ON MY REPORT I HAVE SENT EXPERIAN MY FTC REPORTS I HAVE FILED POLICE REPORTS THEY HAVE YET TO RESOLVE THE MATTER THEY CONTINUE TO REPORT XXXX XXXX XXXX XXXX XXXX ACCOUNT, THE XXXX XXXX ACCOUNTS AND XXXX XXXX   ACCOUNT ON MY REPORT I HAVE SENT THEM EVERYTHING I HAVE BEEN THROUGH THE DISPUTE PROCESS OVER 20 TIMES THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION. THEY ARE REPORTING THE ADDESS XXXX XXXX XXXX XXXX NC XXXX ON MY REPORT HAVE INFORMED THEM THIS IS ASSOCIATED WITH FRAUD AN THEY CONTUNE TO REPORT IT. I AM ASKING YOU TO INVESIGATE THIS AN HAVE THIS COMPANY REMOVE THESE ACCOUNTS FROM MY CREDIT REPORTS WITH THE CREDITOR LISTED AS XXXX XXXXXXXX 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