BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The only payment that Ally Bank has reported correctly was the first payment. EVERY payment since then has taken months to report if it ever does and is incorrect balance. Multiple phone calls/emails to customer service only yield a foreign CSR " explaining how credit works '' and no changes. An incorrect update was pushed out by an executive in customer relations named " XXXX '' in XXXX but then no new data posted for months to any bureau. Over the past 2 days I have received credit monitoring alerts that my loan balance increased by over {$200.00}. At no time have I missed a payment and I always pay MORE than the amount due. ALLY blames the credit bureaus ( though all show the same incorrect information ) and the bureaus blame ALLY. I as the consumer am stuck in the middle and despite producing statements that are accurate ALLY refuses to report correctly to the bureaus impacting my credit score ( s ) negatively on a monthly basis. The infuriating part is if I were to miss a payment that they would report within minutes. A search of the internet reveals that this is not an isolated problem with ALLY and occurs for almost every customer across the board. How can I get my credit files correctly reported and cleaned up?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following listed accounts has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2019-10-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied to American Express credit cards. Got approved on the spot for AMEX Everyday And they offered me a welcome bonus like spend a thousands in 3 months get XXXX points And the Cash Magnet   AMEX it was offering me XXXX $ in 3 months for a XXXX dolar. I personally applied for this promotion because it felt to me a good deal. 
I was able to spend the required money and started to wait passionately for my bonuses. 
I started to call the costumer service every representative is telling me something different. Theyre telling me that theyre investigating the issue and rejecting them for the 2nd time. As I ask for a reason why they not take their word, they start telling me that they did not promised to me and lie about it.

I applied online for the two cards. 
They are going to ask for proof. I know what I saw on the promotion, when I applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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, I have a complaint against the 3 credit bureaus- Transunion , XXXX XXXX XXXX . I work in the XXXX XXXX as an XXXXr so I see credit report 's all day long and the credit scores are all over the board. I obviously can not give out names or SS # s to show you examples but my own credit report would be a good example. I have had a perfect credit history for past 3 years and before that I had 2 X 30 day lates. I check XXXX XXXX almost daily to view my report. After viewing my credit scores yesterday, one bureau dropped 70 points because my 3 different accounts increased by no more than 120 a piece and that is not over the credit limit either. How can the scores vary so much? I have also seen where people with new credit, less than 12 months and only 1 tradeline have scores over 700. How is that?

Something is totally wrong with this system and it needs to be addressed. It's so frustrating to watch my scores go up by a few points then just sky rocket down, it's not right especially when I have worked so hard at keeping everything paid on time.

Please advise on how to get this corrected. I am sure that I am not the only person that feels this frustration.

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 2019-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The account was never late. I have reached out to XXXX on numerous occasions to adjust the file as such over the past years. Most recently on XXXX  its reporting XX/XX/2019 as 60 days late which isnt even possible because 60 days havent transpired. This obvious error resulted in me not being approved for credit and potentially losing a job opportunity. They continue to move late payments to alternative inaccurate dates rather than updating the all 3 credit files as never late. Im asking that XXXX update all the 3 credit files as never late and remedy the ongoing issue.

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 2019-10-19
Company: EQUIFAX, INC.
State: IL
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 have requested a security freeze onXX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and as of today again, I received a full credit report and other info stating that my current disputes were being investigated. But when trying to make the request online, i get an error message that I need to submit an Identification such as state or driver license, utility bill and a copy of my security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
Several laws where broken by under the FCRA under your company I can't get a job I can't Obtain Credit, Housing, Car loans this has cost me financial injury.

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 2017-11-02
Company: Debt Recovery Solutions, LLC
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I discovered XXXX XXXX XXXX XXXX XXXX for {$660.00} and {$690.00} had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This has been open for a few years now after they took me by ambulance after a car accident and I have tried telling them numerous times that I had health insurance. I have never been billed for that hospital stay or 2 ambulance rides I 've had since then. Because I HAVE health insurance, I HAD it then too. This keeps dropping my credit as they reinsert it without notification or answers. My car accident was i believe in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted all of the required documents to The Money Source also known as TMS, in order to be considered for payment assistance options. TMS confirmed, they've received the documents but will not consider a review for payment options, I was advised by my service lender TMS to reach out to the VA in order for them to help postpone the foreclosure sale date of XX/XX/XXXX.  The servicer TMS, stated they are unable to help me unless the VA says the foreclosure sale can be postponed. 

I am requesting a Loan Modification from TMS. My name is XXXX XXXX XXXX, and I am retired XXXX Veteran. I was released from employment and have attempted numerous times to request assistance since the beginning of my unemployment hardship. I was verbally denied the ability to apply for any retention options since the beginning of my delinquency, and throughout the course of my unemployment hardship. I've now gained employment, and again began to request assistance but have been verbally denied the opportunity to apply for any payment assistance programs again. 

I am asking for TMS, the VA and CFBP to help request a foreclosure postponement for the reason that : 1. I have a VA loan.

2. My home has never been reviewed for any loss mitigation options in the past.

3. I've attempted to apply since day one of my h
ardship and through the course of my delinquency and have been verbally denied the ability to apply.

4. I do not want to end up homeless, as I have now recovered from my hardship and able to resume payments.

I am requesting assistance with the past due balance to bring the account current. TMS has the following documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I found a chapter XXXX XX/XX/2021 the mortgage was XXXX stated by US Bank the original mortgage was XXXX once I filed a chapter XXXX and mortgage went back to XXXX I've been paying it for the last 3 months I missed a payment in XXXX bankruptcy got dismissed XX/XX/2021 I received a mortgage statement stating that I owe {$2000.00} in a letter saying that I can apply for a loan modification. Apply for mortgage assistance in my county do the covid also contact the US Bank home mortgage and requested a loan modification packet XX/XX/2021 at that time I was denied I'm unclear while I was denied and why the packet wasn't sent out when I'm sitting here looking at a letter that they're offering me a loan modification also I'm in the middle of trading my vehicle in because I got engine failure my {$2000.00} that's impact in my credit score is stopping me from getting a vehicle to continue on I need better communication with this creditor and I am not trying to lose my home due to lack of communication otherwise they're going to force me back into bankruptcy to secure my home and that's totally not fair when I screwing up my credit score when I need that for other things and to survive.

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 2021-10-13
Company: M. G. Credit, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
1 ) I am not aware of any debt or account that is open with XXXX XXXX, the original creditor of this account.

2 ) prior to receiving a collection notice on my credit report, I received no phone call or mail trying to attempt to notify me of such a debt.

3 ) phone number on account is listed under wrong person 4 ) all attempts to collect this debt were done by mail to an address I no longer live at or have access to. 

Original creditor is XXXX XXXX and collection agency is MG Credit in XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Key 2 Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is attempting to collect a debt that I am unfamiliar with. According to my credit report they are collecting a school related debt. The period of time that they are reporting the account opening, I was not attending school. For this reason I am doubt the validity of the information they are attempting to collect. Despite doubting its validity, at this point is more important for me to have the erroneous information removed from my credit report, immediately. I am prepared to offer a settlement of {$980.00} in exchange for a complete deletion from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: EQUIFAX, INC.
State: NV
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:
The account was never late. I have reached out to XXXX on numerous occasions to adjust the file as such over the past years. Most recently on Equifax its reporting XX/XX/2019 as 60 days late which isnt even possible because 60 days havent transpired. This obvious error resulted in me not being approved for credit and potentially losing a job opportunity. They continue to move late payments to alternative inaccurate dates rather than updating the all 3 credit files as never late. Im asking that XXXX update all the 3 credit files as never late and remedy the ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: EQUIFAX, INC.
State: CT
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:
I have been contacting Equifax, XXXX and XXXX since XXXX XXXX, 2017. My information has been compromised as a result of the security breach. I have place fraud alerts on my reports to avoid any more fraud usage on my report. Someone is still using my identity and have been applying for credit under my name and social I have spoken with several employees in regards to this matter and I have been told that there is nothing that can be done to help me. I have sent in Police reports, documents showing that I was incarcerated during the time of most inquiries, a complaint letter from the fcra and there is no resolution, I am continuously being told they have not received my information. I sent all documents by fax, upload, certified mail and they will not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX say my fiance owes a payday loan for 2017. And if he doesn't pay by credit card over the phone they are going to put a stop registration on our vehicle with the county we live in. They keep changing the amount owed and they had our licenses plate on file. They keep calling me and not him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Rocket Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage payment from a divorce and financial obligation to care for my XXXX kids with XXXX XXXX   because of medical bills and other cost of living expenses. I contacted my mortgage servicer, Quicken Loans, and applied for a mortgage modification or a application for success. I turned in the paperwork required that they asked for. I have since called them three different times and Quicken has told me to resend my paystubs, my application was with underwriting and I need proof of increased expenses like medical bills. I feel Quicken is making this process longer to make me fall further and further behind in my payments until I give up and Foreclose on my home. I turned to XXXX XXXX XXXX for modification assistance, but afraid that it may be a scam. They told me to pay them XXXX dollars a month for 5 months for their assistance and stop paying my mortgage in that time. 
Please help, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan payment is due today ( XX/XX/19 ) however both the website and phone number are down for scheduled maintenance making it impossible to make my student loan payment. I have tried emailing, XXXXXXXX XXXX, and calling and have gotten no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX my loan has been sold four times..well the second lender round point mortgage screw up my escrow account big time by paying home insurance twice in XX/XX/XXXX to XXXX XXXX XXXX and to XXXX XXXX in XX/XX/XXXX for XXXX, even though they claim to have gotten credit back for the XXXX XXXX check for XXXX I do n't have any written proof that they put money back on escrow and it sure did not reflected in escrow balance. And when XX/XX/XXXX came around I received a letter from XXXX XXXX XXXX that my loan had been sold to them and the XX/XX/XXXX payment should go to them, plus it was time to pay property taxes round point paid the taxes before transferring loan over, but at the same time the new company also paid taxes, so now we run into property taxes paid twice and escrow account extremely short, I called county department and they confirmed over payment but they also told me that they had send round point a refund check # XXXX XXXX  back to round point around XX/XX/XXXX but by that time my loan was already with new company XXXX XXXX, I called round point and told them about check refund it was only then they said ahhh yes but we transfered money over to new company. But new company says they did not received that money from round point and are asking me to get some sort of written proof from round point like a wire transfer or check number, I 'm just overwhelmed and frustrated I 'm playing ping pong from those two companies and nobody takes responsibility for anything please help I have ask in writing by emails, fax, and calls to get anything from round point but has not work thanks

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 2019-10-19
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Union bank refused my access to my CD account that is worth {$110.00} XXXX dollars. They Denied recognizing the Payable on Death set up with the account. They denied a transfer I made to have my funds transferred to by other financial institution. They also refused to mail me a statement of my 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 non-monetary relief
Consumer complaint received 2020-02-14
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:
I have advised Equifax of the erroneous reporting of these accounts multiple times and they keep reporting this incorrect information. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have all refused to update the information even after I have provided verification of payments to satisfy these accounts. The problem clearly lies with Equifax because I don't believe they are contacting any of the agencies and verifying any of the information.I want these accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: SC
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:
ON XX/XX/21 I CONTACTED EQUIFAX AND XXXX IN REGARDS TO INQUIRIES THAT WAS ON MY CREDIT REPORT. ON XX/XX/21 I SUBMITTED MY POLICE REPORT AND ON XX/XX/21 I SUBMITTED MY FTC REPORT. THE FTC REPORT ONLY ALLOWS YOU TO PUT 3 INQUIRIES IN THE APPROPRIATE SECTION ON THE FTC REPORT, ANY MORE WOULD HAVE TO BE ADDED IN THE PERSONAL STATEMENT SECTIONS. I'VE CALLED THE FTC AND VERIFIED THAT THEIR HAVE BEEN CHANGES MADE AND YOU CAN'T ADD 50 INQUIRES TO ONE FTC REPORT. THE SUPERVISORS WAS VERY RUDE AND ARGUED ME UP AND DOWN THAT I WAS BASICALLY LYING. I NEED THESE THINGS OFF MY CREDIT REPORT I'VE BEEN GOING BACK AND FORTH WITH THEM FOR OVER A MONTH NOW AND I'M VERY FUSTRATED AT THIS POINT.

Company response to consumer: Closed with explanation