BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: Servis One, Inc., Titusville, PA Branch
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 I received approved paperwork for a mortgage loan modification through my lender, XXXX XXXX. First payment was scheduled for XX/XX/2018, which I made. Later in XXXX I received a statement ( that had been mailed to an old address ) from another company, XXXX XXXX, showing they were the mortgage lender and I was more than {$12000.00} in arrears. I have not received any further documents from them. I called XXXX 's customer service, and each time was told I had to talk with a loan officer named XXXX before anyone could help me. I have attempted for four months to contact XXXX, by phone and e-mail,. All I ever get is voice mail. I have been trying to find out why XXXX has incorrect loan data on my account, if in fact they now handle the mortgage. I have even sent them a copy of my modified loan contract. Still no success in talking to anyone there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
I have requested on XX/XX/2023 evidence to support why they maintain incorrect information in my report and you have not provided it to me for that reason and as the law says Consumer reporting agencies must correct or eliminate inaccurate information, incomplete or not verifiable. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. For this reason, I request that the accounts described above be deleted based on 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 2021-06-03
Company: Regional Recovery Services
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/2021 I called market apartments where I originally owed a {$630.00} unpaid that for my last rent payment. I spoke with the lady there and she stated that she can not find me in the system because the debt was already written off. I asked her if she can email me some thing that stayed at that saying that the debt has been written off.She said because the debt was so old and it was under the old management company that she could not. I then called the debt collection company regional recovery and let them know that the debt the debt been written off. I asked them to they provide me with the original company that I ordered that too and they could not. I have tried to dispute this on XXXX with no success. I do not believe I owe this Debt because it has already been written off by the old company and they are nowhere to be found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my 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 2019-03-05
Company: Experian Information Solutions Inc.
State: DE
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:
I have contacted Experian on 3 or More occasions asking them to verify the information of a repossession with XXXX account number XXXX. The first time was in XX/XX/XXXX I did not keep the record of the letter but I have a certified mail receipt that they received it. The second attempt was sent XX/XX/XXXX after a response from them stating that the account had been verified and updated. The certified receipt number XXXX sent on XX/XX/XXXX received on XX/XX/XXXX. I got an update that the account dispute was received by Experian and then it was updated as verified XXXX. 
The third attempt was a letter asking them to verify it, certified receipt number XXXX sent on XX/XX/XXXX it was received my Experian on XX/XX/XXXX. This last time I received an alert from Experian XXXX saying again the account is verified. I asked them to show proof 3+ times that this account is mine and accurate. I have seen no such prod which is a violation of my rights and I have also asked them to remove the information if proof was not presented.

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 2023-01-19
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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting XXXX XXXX XXXX XXXX causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
So on XX/XX/19 PayPal emailed me stating that my account had been permanently limited, when I called to investigate the reason behind the limitation all they told me was I violated the user agreeement. When I attempted to ask what part I was informed I would have to subponea them to court to get further information. On XX/XX/19 at XXXX XXXX 4 days after PayPal said my account was CLOSED they still accepted the direct deposit from my tax return in the amount of XXXX . I called paypal immediately at XXXX XXXX   on XX/XX/19 when I realized what had happened. The lady I spoke with said she was going to submit an escalation to the back office to have my tax refund released since it was a direct deposit from the IRS. I was told to wait 48 hours so I did, I call back on XX/XX/19 to check the status and was told it was still open but hadnt been processed, I was then told it normally takes 72 hours so I waited another day and called on XX/XX/19 and was told they need more time yet again. Its now XX/XX/19 and PayPal is telling me that its open still hasnt been review but most likely Ill have to wait 180 days due to the chance of a charge back which doesnt make sense because its a direct deposit. Not only is this inconvient but its also causing me to potentially lose my home, my education as well as my vehicle all things I have worked very hard for. I just want my tax money which is rightfully mine to be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am XXXX XXXX XXXX XXXX I am from Louisiana XXXX Louisiana to be exact I am invested with you from stocks and bonds and XXXX XXXX XXXX baled me to put my savings 401 k there and I saw where someone took out my 401 k and in XXXX and XXXX I was put in a savings bond with Merlin lynch I signed it through a Ms XXXX XXXX XXXX Of XXXX Louisiana the address I signed it from was XXXX XXXX  XXXX XXXX she is a major real a state owner I took advantage of this opportunity when I was XXXX by letting Merrill lynch have more years on it I signed it again and it is a role over my date of birth is XX/XX/XXXX my social is listed someone changed the name to XXXX XXXX XXXX thats why yall are in the XXXX XXXX  settlement case now can I be contacted I never had to leave this state and my information is signed in that same file cabinet with a XXXX XXXX he lived at the same address and also the uncle in this who gave me also some shares or assists was a Mr XXXX XXXX of XXXX Texas and of XXXX Louisiana ... That is separate now there is also other packages 6 to be exact ...

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 2023-01-19
Company: EQUIFAX, INC.
State: MI
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:
I reviewed my credit report more than 30 days ago, XX/XX/2022, and requested Equifax update my personal information. More specifically my name. I found multiple variations and spellings of my name. I only go by one name and one spelling of that name. I sent documentation providing my name and the one variation of spelling to XXXX and my information still has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: R.M. Galicia, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Medical bill account was paid in full as of XX/XX/2021 and I was aware that the account was to be removed and I then I was reported 90 days late for this medical bill after it was paid off and it still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Someone continues to fraudulently attempt to sign up for financial accounts using my details. XXXX and XXXX have been responsive. Transunion ignores my requests to fix or verify the situation. 

Adding insult to injury, they continue to harbor typographical errors to which I have requested deletion ( XXXX vs XXXX ), which continue to harm me by invalidating automated credit and identity checks. They also claim that very old addresses have been validated as current. In summary, Transunion is a piece of XXXX. They refused to accept any complaints from consumers, instead referring me to the financial institutions who pulled my credit. Kudos to XXXX and XXXX for actually responding to my complaints.

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 2023-01-12
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been contacting XXXX XXXXXXXX and now Mohela XXXX XXXX in regards to my loan and application under the XXXX XXXX XXXX XXXXXXXX XXXX. I XXXX submitted my documentation by faxing it to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Shortly after Mohela XXXX XXXX took over but never provided any type of communication whatsoever. I contacted their customer service through email and calling and could not receive any type of information nor confirmation. I refaxed my XXXX application AGAIN to Mohela on XXXX XXXX and still have not received any type of communication ( even confirmation of them receiving and processing they have not informed me of ). I logged in the Mohela system and my application is just sitting there. It has been almost XXXX XXXX now going back and forth with XXXX XXXXXXXX and now Mohela to get information regarding my XXXX and to see my status with loan payments and forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Rocket Mortgage, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX I received an alert for a hard inquiry from Rocket Mortgage that was not authorized. I advised Rocket Mortgage that this was un-authorized and they fail to assist in removing the inquiry off my credit report. 

In addition I have XXXX several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) documentations, They have consistently lied about obtain legible documents despite having agents read the documents to me. They have refused to remove the inquiry after providing the documentations as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Credit card was fraudulently opened in my name. Fraud report was completed and XXXX XXXX completed. Account was removed from my credit report. Original company then sent fraudulent account balance to collection and that account appears on my 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 2021-05-08
Company: EQUIFAX, INC.
State: IN
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:
Equifax has put inquiries on my report that are not authorized. 

1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX  XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21 and XX/XX/21 the same person stole money from my Wells Fargo account and wrote a fraudulent check that was supposed to repay some of the stolen funds and the check was fraud too. I am guessing I am not supposed to provide the thiefs details but I gave them and record of all accounts and transactions and a police report associated and I have been trying to get my stolen money back from Wells Fargo for over a year now. The amount of money stolen is over {$7000.00} total with 2 transactions where the thief took my money.

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I 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 2020-05-31
Company: ALLY FINANCIAL INC.
State: MI
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:
I refinanced my auto loan from Ally financial to XXXX XXXX XXXX XXXX XXXX. Ally claims that there was a balance owed, however the paperwork I have states the balance was paid in full and is thus showing it as a charge off and negative, which is affecting my credit score negatively. This account was never in default, non-payment and should have never been placed in collections or shown as a charge off. I have provided them with documentation showing as much and they refuse to fix it. The last dispute they did take the 21 months of non-payment off, however they have XXXX and XXXX of 2020 showing as charge off. Again, this is incorrect. I refinanced this loan, and the amount my bank paid to Ally was correct. Any issues that arose AFTER the check had been deposited was on Ally, not me and neither myself or the bank ever got any information saying there was additional money owed. 
Additionally, Ally has been incredibly difficult, hostile and evasive in in my attempts to get this resolved. I understand errors occurred, but I have been transferred, harassed, hung up on, had someone literally notate things I did not say. I have asked for a manager multiple times, they can never provide one. I was told I'd get a call back, I never got one. Every time I seem to be able to produce a document showing my proof they are suddenly able to speak with me and have made me fax documents while claiming they never received them, but when I show them confirmation that the fax went through the find it. 
Every aspect of Ally seems to be at best misleading, if not fradulent and unwilling to fix their own mistakes. If my error wasn't Ally 's fault, why would they remove all of the information the already did and expect me to say thank you. This is not right. They are already a bank that takes advantage of people who have less than perfect credit and make it almost impossible to fix their error, but when the money is owed to them, they can find all the time in the world. This needs to be fixed. 
I have had a FEW good interactions with representatives from their company. To those people, and to any representative from Ally I have been nothing but professional and kind, never raising my voice or using inappropriate language.

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 2023-01-12
Company: Experian Information Solutions 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:
I, a consumer and natural person, was denied credit by XXXX XXXXXXXX XXXX when I applied for a XXXX Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX XXXX due to the response I received. XXXX XXXX XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX according to law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, 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:
As of XX/XX/XXXX, we have received credit alerts and mail ( via USPS ) indicating that Equifax has again reduced our credit rating by almost 200 points as a result of a report from XXXX XXXX XXXX. The report, if truly filed by XXXX, is not true. Also, we can not resolve the dispute with Equifax as their document upload function is not working and we can not get a response via their phone number given on the letter. 
I am attaching the letter from Equifax, a snapshot of the XXXX  XXXX XXXX account page showing the car loan was completely paid off ( and paid off early ) in XX/XX/XXXX, refunded to XXXX  XXXX XXXX in early XXXX, disputed with XXXX and XXXX  XXXX XXXX for weeks, and finally resolved with another payment from us in XX/XX/XXXX. We filed complaints with both XXXX and XXXX  XXXX XXXX, and wtih the CFPB, about their behavior in the original payoff nightmare. NOW, we are filing a complaint against Equifax for, once again, reducing our credit score for a false report, whether it originated at XXXX or not, we can not determine.

Company response to consumer: Closed with explanation