BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-01
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:
my loan is with XXXX XXXX XXXX. They show missed payments on my credit report when i have never missed a payment. my payments are automatically taken out of my bank account. I was late in XX/XX/2016 due to a change in my job and paydate, which i rectyfied immediatly and the payment was made a few days late and all future paydates adjusted. I ave never been late before nor since then. i have provided XXXX with statements of the 6 missed payments they claimed. though as of yet they have not been fixed. they want to discuss, though there is nothing to discuss and i told them i'd be happy to discuss via email so i have a written back up as i do not trust anything they do. no further response from 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 2018-04-01
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: Their investigation did not fix an error on your report

Complaint:
I am in the process of correcting my credit report and so far I have satisfied a few of the outstanding issues. However, after filing a dispute with Experian then allowing the reporting agency to confirm and verify the disputed information along with the other two reporting agencies in which I have disputed the same items, XXXX XXXX and XXXX deleted or updated my reports and in doing so, it raise my score for both agencies above 600. Experian lowered my score considerably claiming that because I satisfied a previous car loan and it was Paid In Full, they claim that this was the reason my credit score lowered, several times since I initiated the dispute. I as a consumer have NEVER seen nor have know under any circumstance wherein a consumer corrects his or her credit report to a more favorable status and it lowers their credit score or worthiness. I have spoken with a representative with Experian and she said that yes, the reason is was because I paid of a previous car loan and that account although PAID IN FULL, is now closed but it would reflect negatively on my report. My question is, why did it reflect positively on the other two credit reporting agencies? That is not fair to me or any consumer blemish a report after creditors have 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 explanation
Consumer complaint received 2018-10-02
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I originally had a loan from XXXX and this past spring I looked into loan forgiveness because I am a XXXX XXXX. I applied to what I thought was a federal program and somehow XXXX XXXX has acquired my account. I am not sure how that happened, what they are charging me if there was a fee to switch which I had no intention of doing, I was just answering qustions mailed to me. I thought I was getting loan forgiveness but apparently I did not get loan forgiveness I got a new lender instead.In XX/XX/XXXX I recieved an email that i was a few weeks late on my payment so I paid that along with XX/XX/XXXX. I do online banking so I see when it when out and when it was cashed which was on XX/XX/2018. They sent me another email after that stating i was even more late so I emailed them via their website and received no response. Today I got another email from them stating that I am evn more late so I called them. They said they have nothing on file that I paid and they did not recieve my email. I then asked for a direct email so I would have proof, the rep kept arguing with me to just use their site and I refused since I had used it and thwy have no record of it. I have proof they cashed it and I have a confirmation number. They need to fix that and not ruin my credit and they need to be investigated for ilegal practice of aquiring accounts. They have 666 complaints on XXXX about collection practice and a F rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have many loans from my time at XXXX XXXX XXXX. I was enrolled for four years ending in 2004. Navient called and recommended I use a graduated repayment, so I switched to that. I have only worked in XXXX XXXX  or XXXX since graduating. Had I known I could've had my loans forgiven by using income-driven repayment, I would've stayed on that and my loans would be forgiven by now. Instead I'm starting over at the beginning. My loans have the same balance as they did fifteen years ago because of all the interest. If I stay in XXXX XXXX I'll be eligible for forgiveness when I'm XXXX, otherwise at 20 years I'll be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for forbearance under the CARES ACT and continue to receive deceptive notifications for missed payments requesting a full payment to reinstate my loan. We are impacted by COVID and used the relief under the FHFA and CARES act. Quicken continues to use deceptive tactics to pressure me into a loan modification or refi that incurs fees and never offers the repayment approved by XXXX 's and FHFA for reinstatement of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: FACTUAL DATA CORP.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not apply for any mortgage online. I have disputed this with XXXX XXXX and XXXXXXXX XXXX twice and they are not working with me. I have also disputed this with XXXX credit reporting agency and they have refused to take it off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I received a letter from XXXX attempting to collect a debt for PayPal. As I do not have any outstanding debts with PayPal, I sent a letter requesting validation. In return, I received a letter from PayPal stating that I opened an account under email address XXXX on XX/XX/XXXX. This is not nor has it ever been my email address. PayPal refuses to speak with me directly regarding this false debt because I " am not the owner '' since I can't log into the PayPal account. I can not do that, because I don't have access to an email address that isn't mine. I refuse to pay something that I legitimately do not owe and for them to contract a collection agency to add to my credit profile is damaging, to say the least. I'm not sure how this account was created and if it was whether it was created with my name ONLY, or with my SSN or bank information. I do not understand how I can be held liable for debts that I. Again, I can not obtain ANY of this information from PayPal even though this is supposedly my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-01
Company: Navient Solutions, LLC.
State: TN
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:
The following information XXXX is reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Navient account # XXXXwas OPEN and OK. 

2. Suddenly, on XX/XX/XXXX XXXX is showing the same Navient account # XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. What happened over 5 days? 

4. My Chapter XXXX was discharged on XX/XX/XXXX. 

5. Navient was paid {$150000.00}. 

6. My Navient account is current with a balance of {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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: Account information incorrect

Complaint:
This mortgage was an individual mortgage account opened by me XXXX XXXX XXXX XXXX not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.

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 2021-01-21
Company: EQUIFAX, INC.
State: NY
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 am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy XXXX XXXX XXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Summit Financial Corp.
State: FL
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 sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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:
I opened this XXXX credit card, used it and paid it in full with a XXXX  balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX  who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete XXXX 's erroneous reporting.

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: 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 express to the dealerships that I did not want my credit to be run multiple times. I had written a letter expressing that I want the hard inquiries removed from my credit report which is impeding my ability to obtain a home loan. The company did not resolve my request. 

The credit inquires dates are XX/XX/XXXX ; XX/XX/XXXX ; and 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 2018-12-04
Company: EQUIFAX, INC.
State: IL
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 contacted Equifax on XX/XX/XXXX XX/XX/XXXX XXXX XXXX and XXXX regarding a late payment on both XXXX XXXX XXXX  accounts. On XXXX I spoke to a supervisor who stated she was going to remove the late payment reporting on my credit report for my Mastercard XXXX XXXX XXXX   account. I have a mastercard and visa with this company. The late payment was reflected in XXXX on both accounts. I have sent a letter from the creditor to Equifax to update the accounts and remove the late payment. They removed the late payment on the visa but not mastercard. I was told by a supervisor on XXXX that she would remove it on mastercard. On XXXX I got an email that an investigation was complete. I called to check the status and the late payment was still reporting. I asked to speak with a supervisor. She put me on hold and then disconnected the call. This is poor customer service and this late payment is supposed to be removed. This company is violating my rights by reporting inaccuracies. They have a letter from the creditor to update the late payment on my mastercard and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have sent multiple letters to the creditor and CBs about the unknown and unauthorized inquiries on all three of my CB reports! I have called the CBs multiple times and spent several hours on the phone disputing information that was n't mine : multiple addresses ( unknown ), multiple names, multiple social security numbers, as well as phones number 90 % of all my personal information is incorrect! I 've asked for letters of validation from creditors and CBs ; with zero response from the creditors and the CB always saying it 's verified- but never shown proof! When I asked about removing all the incorrect personal information they said I had to reach out to the creditors to clear that up ... and inquiries that I do n't have any idea of they said inquiries are fact, regardless if do it or not, and I needed to contact the creditors -- - THIS HAS BEEN GOING ON FOR 2 years and I do n't know what else to do! Please help! I 've sent all kind of letters and called and sent letters and called -- -- NOTHING!

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 2020-05-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2020-11-02
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the third year in a row, my mortgage company, Loancare, is trying to forceplace me into an unnecessary insurance policy. ( see attached letter from loancare ) They have been sued in the past for illegally forceplacing unsuspecting consumers into unnecessary, high cost insurance plans and then taking kickbacks in return. ( see attached documentation on lawsuit ) My homeowner 's association sent them a copy of the updated master insurance policy ( see attached ) which is more than sufficient coverage for a 2 bedroom condo. 

I also faxed them copies of this on XX/XX/2020 ( see attached ) and mailed them copies ( see attached proof that they received the documents on XX/XX/2020 ) and uploaded the information to their website on XX/XX/2020. 

Still, I have yet to receive a response from them. It seems they do this every year and I'm not sure how they are still allowed to operate this way. ( As an aside, I did not choose Loancare to handle my mortgage. Based on the terrible reviews I have seen all over the internet, I would never choose such a company-my loan was, to my horror, sold to them after I purchased my condo. )

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 2017-08-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX, I received a letter from XXXX XXXX. It states that XXXX , XXXX used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I was charged twice in the amount of {$590.00} each time, for a XXXX flight which I canceled within their 24-hour grace period. In addition to being charged when I shouldn't have, it was done twice. After speaking to XXXX, who admitted fault, my account was overdrawn by {$280.00}. In order to avoid overdraft fees from Bank of America, which they continue to charge illegally ( following the class-action lawsuit filed against them in XXXX for violating the National Bank Act ), I disputed the two charges and asked Bank of America to provide an immediate credit. 

On XX/XX/XXXX, XXXX finally issued me two credits of {$580.00}, which differed slight from the original amount due to exchange rates from USD to EUR and the time of the credit. 

Four months later XX/XX/XXXX and XX/XX/XXXX, after the claim was labeled as 'resolved ', and more than the 90 days after the amount of time a bank is allowed to investigate a disputed transaction, Bank of America reversed their temporary credits, withdrawing a total of {$1100.00} from my account. 

I find this practice of retroactive credit reversal not only predatory, but outside of the legal time limit within such a dispute should be resolved. I would like to argue for a partial or full refund of these withdrawals, as it is Bank of America 's fault for not reversing these credits within a timely manner. As a result, I was put in a catastrophic situation, without any access to cash while traveling in XXXX, being forced to borrow money to make my account positive again.

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 2018-07-13
Company: Experian Information Solutions Inc.
State: VA
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 discovered I have fraudulent credit inquiries for companies I never gave permission to pull my credit reports. On all 3 of my credit reports it shows on XX/XX/XXXX that XXXX XXXX pulled my credit without my permission, XXXX XXXX XXXX XXXX pull my credit without my permission on XX/XX/XXXX, and some company called " XXXX XXXX XXXX '' on XX/XX/XXXX. I demanded and requested these items be removed from my XXXX, XXXX, and Experian credit reports and none have been updated after being told they would in a short time frame.

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