BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Mendelson Law Firm
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MY DEBT HAS BEEN PAID. I NEED IT REMOVED FROM MY CREDIT REPORT, BOTH THE ORIGINAL ACCOUNT, THE COLLECTION ACCOUNT AND REMOVAL FROM PUBLIC RECORD.

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 2023-09-06
Company: EdFinancial Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX. Department of Education website indicates for Unsubsidized Single Consolidation loan : no payment due and no due date, XXXX $ total to be paid, placed in forbearance by Department of Education, with Loan forgiveness is to be granted XX/XX/XXXX as part of SAVE program full implementation including Deferment and Forbearance periods covering 20-25 years.

2. Ed Financial notes for the single consolidation loan that program is in IDR-but 10 years of payments are due, 120 payments of {$3400.00} each month, ending in XXXX. XXXX XXXX : " Repayment schedule : IDR. Your first monthly payment is due on XX/XX/XXXX. Monthly Payment Amount : {$3400.00} '' 3. Ed Financial earlier established a payment due date in XXXX and XXXX and payments were submitted for both months, along with 38 months worth of payments at {$16.00} per payment aimed at reducing interest charges.

4. Ed Financial has to publish information and follow procedures and directives consistent with Dept of Education website and guidelines and not publish payment due dates and time frames for loan repayments which were never agreed to or approved by the Department of Education, along with selected amounts of their own choosing.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
Good day, On XX/XX/2020 XXXX and my wife sent in disputes concerning incorrect and unverifiable information we discovered within our credit reports. Our disputes were sent to XXXX, XXXX ; Experian, and XXXX  XXXX XXXX, XXXX, requesting these companies to investigate the accuracy and validated right to report the said information that seemed unverifiable. FCRA section 609 ( a ) ( 1-5 ). After not receiving a response within thirty ( 30 ) days, I sent a demand letter to XXXX, XXXX, Experian and, XXXX  XXXX XXXX, XXXX where no response was forthcoming ; the demand letter was created on XX/XX/2020. Given none of the credit unions responded within the time provided I sent correspondence informing them of their duty owed under the law. FCRA 611 section ( 5 ) ( A ) ( i ). Where the credit reporting agencies are not in compliance with my rights and their obligations under the Fair Credit Reporting Act, I can challenge their right to report all incorrect and unverified accounts and information on my credit report. Any investigation instituted must comply with the FCRA, as there is no proof of a response or of verifiable, original creditor documentation, there is no verification. 611 section ( a ) ( 1 ) ( A ). I demand removal.

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 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried calling XXXX on the phone and uploading documents regarding my dispute for XXXX XXXX XXXX. I am unable to get someone on the phone or upload documents.

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 2022-01-31
Company: EQUIFAX, INC.
State: OR
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 requested my Annual Credit Report recently. On it, there were XXXX accounts paid satisfactorily XXXX, XXXX, XXXX years ago respectively. Theses accounts should have been deleted after XXXX  years. I wrote Equifax a letter on XX/XX/21 requesting these accounts be deleted, and a new report issued. I received their response dated XX/XX/21, basically a form letter patting me on the head and saying they were working on it. Nothing has happened since,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a XXXX XXXX credit card for at least two years and have used it many times and paid in full. Currently have a XXXX  balance out of a {$1500.00} credit line. I like to use it for the rewards and XXXX gifts. Well, Capital One recently took over XXXX XXXX XXXX accounts. It was formerly XXXX XXXX Once they took over, they sent me the usual notifications letters, terms, as well as a new card. Then, suddenly, on XX/XX/XXXX, I find a " closed account '' and " restricted account '' on my credit bureau and my online account. Unreal, this is the forth time Capital One has closed my account for no reason. I last used the account in XXXX of this year, so I don't buy non use of the account as a justifiable reason. It's useless to call and speak to a rep because they simply say it's their right to close for no reason. Yes, I had a bankruptcy in XXXX when I had a XXXX XXXX XXXX on the job and I needed protection from relentless creditors calling ; all of which when I received my settlement, I voluntarily paid ALL of my debt. Therefore, Capital One was paid in full plus interest. Recently they granted me a credit card, sent it to me, and closed it before I could even activate it. This is ridiculous! U have XXXX  balance on 12 credit card accounts. And two revolving accounts with 0 % interest lawn mowers, otherwise they would be XXXX. I am sick and tired of Capital One destroying my credit. And XXXX XXXX  is one of my favorite stores, now I will not be abled to enjoy the 10 % rewards while shopping there. Capital One needs to be held accountable to a higher force for unjustifiably stripping honest customers of their credit card. Two years ago they closed another account for using it beyond their expectations. What? I bought my son tires for his pick up on credit and immediately paid them off. This company is unfair and needs to be stopped. I would appreciate your help in holding them accountable. As a consumer, my hands are tied. In their lengthy pamphlet they can do whatever they want with no reason. How is this fair?? Thank you. Any help will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-10-01
Company: Better Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello- Recently, we applied for a mortgage refinance with a company and had a bad experience and would like to file a complaint. Here are some details : Mortgage estimate provided on XX/XX/XXXX showed Origination charge ( points ) of {$180.00}. 
Closing disclosure provided on XX/XX/XXXX showed Origination charge ( points ) of {$1000.00}. 

Contacted the mortgage company on XX/XX/XXXX and XX/XX/XXXX regarding the increase in Origination charge from final estimate to Closing disclosure and was unable to get a timely response. Had to postpone the closing/settlement process due to delayed response from mortgage company. 

Explanations offered to date regarding the change in amount : 1 ) Property type changed from single family to PUD in the title search process sometime between XX/XX/XXXX and XX/XX/XXXX. 
2 ) DTI went up by a point from 22 % to 23 % 3 ) Loan amount went from {$390000.00} to {$400000.00} ( which is incorrect and we pointed out ) 4 ) Loan amount decreased under $ XXXX due to pay-off and they mentioned it was not our fault. 

Finally, they offered to extend us a {$500.00} discount for the inconvenience. We are still waiting for our final disclosure and set the new closing date before the rate lock expires on XX/XX/XXXX. 

We are still at a loss as to why we are responsible for the change in origination ( points ) from {$180.00} as quoted in estimate to {$590.00} according to the most recent verbal statement from a representative of the mortgage company. 

Also, we are waiting eagerly for the disclosure to move forward with the process and they seem to be stalling by not answering our calls, returning our voicemail or email messages. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: OPORTUN FINANCIAL CORPORATION
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:
These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 

1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft OPORTUN/PROGRESO FINAN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: TRUIST FINANCIAL CORPORATION
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:
Suntrust admits to being paid and never updating my payment history to the credit agencies. My insurance company paid suntust over XXXX XXXX dollars back in 2018. Instead of updating my account balance they chose to keep reporting the full XXXX balance as if the car was never paid on. Now that the balance has been updated after years, they refuse to update my payment history which is 35 % of my credit score. Or at least delete this account from my credit report since they know its inaccurate. They have stressed me out during both of my pregnancies with their inconsistent reporting and I would just like to be free.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
these accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

15 U.S.C 1681i-5- reinvestigate

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 2022-05-23
Company: Freedom Mortgage Company
State: GA
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:
Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-10-01
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I just received a phone call from XXXX XXXX, XXXX  the party hired by JP Morgan Chase Bank, NA to illegally foreclose on my home on XXXX XXXX, XXXX in violation of federal laws of reporting debt 15 U.S. Code Section 1681. See Attached credit report showing that the obsolete mortgage " debt '' no longer exists and yet Chase is still trying to illegally take my home from me when there is no debt to be foreclosed on. Also, I am XXXX yrs old, indigent, XXXX recently having had XXXX XXXX doctor recommended to avoid stress or face XXXX XXXX or death from these stresses. 

This is Senior Abuse which is in itself a crime. please look into : On XX/XX/XXXX. XXXX, President Trump signed into law the Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), identifying the need for data on elder abuse. ... The law also enhances the Elder Justice Act and ensures that Adult Protective Services can be used to protect the safety and dignity of all seniors. I am asking the CFPB to step in and stop these Federal crimes and illegal acts against this XXXX, senior whom just had XXXX XXXX. THIS IS NOT IN LITIGATION!!! 

THIS IS NOT A DUPLICATE COMPLAINT!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: NJ
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: SYNCHRONY FINANCIAL
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:
On XXXX, I received a notification from XXXX XXXX that I had some hard inquiries on my XXXX and XXXX credit reports. I check both reports and discovered that I had 3 on XXXX ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ) and 1 on XXXX dated for the XXXX of XXXX. I had not applied or requested any inquiries on my credit. I contacted the finanical institutions that I found numbers for and notified them. I was directed to file a claim with the FTC.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-03-21
Company: Netspend Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My circumstance deals with my government covid relief money XXXX was deposited on my netspend account card.. I had checked my balance several times prior to this waiting for it too be deposited because i am about to lose everything.. 
Because of the balance checks they froze my account.. Needing from me 3 forms of id and my w2 forms ... I have done XXXX XXXX XXXX XXXX XXXX and I feel as if i am being discriminated because of that.. My Id was recenetly lost and I do not have the money to get that.. And how will i produce W2s from my time in prison?? I have the same phone number i have the same address and the same name and ability to state my mothers maiden name and my pin and ss number.. I have talked to them 3 times and every time they give me more stuff i have to come up with.. I am trying to stay calm.. but i have fines to pay and im trying to get my life together.. They shouldnt have the right to keep my money for checking my balance in anticipation..

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 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

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