BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to 15 USC 1681b ( a ) ( 3 ) ( A ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer

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 2023-05-19
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:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them from my credit report immediately. These accounts are NOT MINE.

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 2023-06-26
Company: V and H Portfolio
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:
This is a recurring problem, not a duplicate complaint. Please send to the company for a response. Debt Parking. Company appeared on credit report. No dunning letter was ever received notifying me of my right to dispute the debt as required by the Fair Debt Collections Practices Act. 

I have sent multiple certified letters requesting debt validation to company. Most recent certified letter request sent via USPS, XXXX XXXX XXXX XXXX XXXX, signed for by Vance and Huffman on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX Company has failed to reply. The company received my requests as evidenced by certified mail signature. 

In all verbal communications company has failed to provide information as to what the debt is for, how the debt was calculated, the original creditor ( if different from Vance and Huffman ), complete payment history. The Fair Debt Collection Practice Act requires debt collectors send a written validation letter within 5 days of initial contact. No letter was ever received from Vance and Huffman despite my verbal notification of my mailing address and request for the communication they are required to send by the Fair Debt Collection Practices Act. Greater than 90 days have elapsed since my request for validation of the debt was received by Vance and Huffman, yet they have violated the Fair Debt Collection Practices Act by failing to respond in writing to my mailing address as requested multiple times. 

The debt still remains on my credit report despite my disputes and unanswered requests for validation. The Twila Boatley vs Diem Corporation in 2004 case the courts ruled that reporting the debt to a credit reporting bureau is collections activity. The Fair Debt Collection Act requires debt collectors to respond to debt validation requests and limits collection activity until the debt is validated. On XX/XX/XXXX the FTC released a publication regarding XXXX XXXX XXXX and debt parking, Vance and Huffman is engaging in the same illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I attempted to apply for a loan modification with Wells Fargo in XX/XX/XXXX. I was told who my home preservation specialist was but I was never contacted by him nor did he answer any of my calls. Finally, after several attempts, I was able to speak with him and he stated that he didn't know he was assigned to my case. I then, spoke with different agents at Wells Fargo and they gave me different instructions on what to do. However, the last agent told me that I had to have my application in within 7 days of my Foreclosure date. Which should have been XX/XX/XXXX. I did so. Wells fargo called me on XX/XX/XXXX stating that they could not help me because turned my paperwork in too late. I called HUD and the escalation department at Wells fargo phoned me and stated that they would indeed review my case and attempt to delay the foreclosure. I did not hear from him until the Evening of XX/XX/XXXX. He stated that he couldn't stop the foreclosure, but, he would continue to review my case because they maintained ownership of the property. He kept sending letters extending the time frame to get back to me. Finally, I received a letter in XX/XX/XXXX stating that the foreclosure stands because they did not have verification of my employment start date. I expressed my disagreement with that response. I never heard from Wells Fargo again to this date. I received an eviction notice from XXXX XXXX XXXX in XXXX, XXXX. I also received a cash for keys letter from a XXXX XXXX XXXX at the same time stating that they were a DBA for Wells Fargo and they are handling my loan. Neither of the companies knew the status or process that was going on from each company regarding my loan. It is my prayer that something is done to save my home from this wrongful foreclosure. I have been very ill and had a XXXX due to the situation. I would like to file a complaint against Wells Fargo for wrongful eviction. Also the paperwork noting the sheriff 's sale which is attached to the eviction notice from XXXX XXXX XXXX does not appear to be signed by an individual. It appears to be cut & paste. I'm am attaching a notification regarding a class action lawsuit regarding XXXX XXXX XXXX for the manner in which they participate in foreclosures. I am also attaching other correspondence relating to my situation.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2019-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I filed a complaint with the CFPB against XXXX XXXX. In retaliation, XXXX XXXX called my employer requesting verification of my employment by my social security number. I filed a second complaint and I was contacted by Ms. XXXX XXXX who advised that the debt that they attempted to collect was not legal as they had this debt in their office since XXXX and did not make any attempt to collect then, and the agent who advised of the debt had misinformed me. I was assured that no effort to collect this debt would be made as the statute of limitation had passed. I have since received notification that a collection of {$310.00} by XXXX XXXX has been reported on my XXXX   Credit file by XXXX XXXX. Upon checking the account and the date opened on my credit profile it is apparent that this debt was settled and XXXX XXXX is attempting to collect this debt once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: AppFolio, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I recently received an email from the software company that provides frontend services for the property management company that I rent my house from. The company is called AppFolio. Recently, they sent the following email : " Hi XXXX  We are AppFolio, the property management software XXXX XXXX XXXX, XXXX uses to provide you with services like secure online payments and maintenance requests. We are reaching out to you today to inform you of a change we are making to eCheck payments. 

Beginning at XXXXXXXX XXXX  PST on XX/XX/2023, AppFolio will no longer waive the transaction fee for payments made by eCheck. All eCheck payments moving forward will have a {$2.00} AppFolio transaction fee.

Questions? Visit the help center to learn how to update your payment information in your Online Portal.

Sincerely, AppFolio '' They provide no explanation for this fee, nor do they provide any way to avoid paying the fee. I believe this company is using its monopoly power to take advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I filed a complaint with the CFPB against Midland Funding. In retaliation, Midland Funding called my employer requesting verification of my employment by my social security number. I filed a second complaint and I was contacted by XXXX XXXX XXXX who advised that the debt that they attempted to collect was not legal as they had this debt in their office since XXXX and did not make any attempt to collect then, and the agent who advised of the debt had misinformed me. I was assured that no effort to collect this debt would be made as the statute of limitation had passed. I have since received notification that a collection of {$310.00} by Midland Funding has been reported on my XXXX Credit file by Midland Funding. Upon checking the account and the date opened on my credit profile it is apparent that this debt was settled and Midland Funding is attempting to collect this debt once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

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 2023-03-18
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: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
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: Investigation took more than 30 days

Complaint:
My mortgage company keeps reporting me late at the beginning of every next month while I'm in a forbearance plan. The hurt I suffer from watching my personal credit take such a huge hit in having a negative score is very depressing to me and our family. I literally have XXXX XXXX from all this stress they'd cost me and my family. We'd been fighting this issue for 7 months straight. XXXX is my mortgage company. We could really use some help on our end here. We have a house full of XXXX children and can't live in peace knowing I cant qualify or a refinance because my credit score keeps showing a late status. The crazy thing is it's always showing me late at the beginning of every month. 
I don't even think that's legal. I always thought you had to wait until the month-end for the thirty days late in order for a company to mark you late? But please someone help me get this issue rectified. XX/XX/2020 late marked by the mortgage company I've tried everything from call to sending letters for about the previous months being late.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 got account that are inaccurate and need to be removed from my report asap!

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 2020-11-04
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: Investigation took more than 30 days

Complaint:
I first submitted a complaint XXXX, and Experian spent effort to lecture me on the use of a credit repair company, rather than the issue in the complaint. I filed another complaint XXXX. I supplied my license, ss card, and a bill to prove my address. I advised them that their reasons for not using a credit repair company have nothing to do with the complaint. I know it's hard to believe, but there are laws in this country and not all consumers are stupid. I'm well aware of my rights to have errors researched when they appear on my credit report. You have violated the law. You just don't want to research them. I proved very thorough information on the errors that I was questioning. The CFPB provides an avenue for consumers to complain when the bureaus are not following the law. I'm not asking you to lecture me on credit repair companies. I'm not asking you to lecture me on how to submit a dispute. I'm simply asking you, as the credit bureau to follow the law and I'm hoping the CFPB requires you to do so. Right now, they are just taking whatever answer you provide. Review my disputes and you'll see that I did provide all the details. You missed the 30 day deadline, as you'll see with the certified / return receipts I provided. These items must be deleted. I will seek legal representation to get the rights that I'm entitled to.

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 2019-03-24
Company: EQUIFAX, INC.
State: MD
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:
Upon checking my credit report with Equifax, I noticed it contained inaccurate personal information ; wrong addresses and employer information. I mailed a letter to Equifax listing my correct information along with proof ( ID, Social Security card, utility bill ) and asked them to correct my personal information. On XX/XX/2019 I received a letter from Equifax dated XX/XX/2019 stating that The disputed address has been deleted. The confirmation number Equifax provided on the letter stating that they have deleted the incorrect addresses is XXXX. However, as of today, XX/XX/2019 the wrong addresses continue to be reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Upgrade, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I made 2 advanced payments ( scheduled ) one on XX/XX/XXXX and then one on XX/XX/XXXX. The payment on XX/XX/XXXX was the incorrect amount so I called them up and asked them to cancel that payment. XX/XX/XXXX rolls around and I get my bank statement on line and I see where they processed both payments. I have reached out to them and they told me it would take 11 days. after the 11 days nothing and a called back on XX/XX/XXXX and they told the refund had been processed and it would be 11 more days. They posted the payment again on XX/XX/XXXX and it now shows the refund is being sent on XX/XX/XXXX therefore 11 more days. When do make a payment it post immediately!! It show on the website but no action to the back account and I'm losing interest from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Navient Solutions, LLC.
State: CO
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 called Navient several times over private loan fraud and requested a letter for proof of signature of this loan since filing it with CFPB to go now where. I filed a complaint with the Attorney General which I finally received a letter of no signature on file from Navient and the Attorney General Dismissed the private loan. The problems with Navient to reach customer service and trying to upload documents on their website for school closure for XXXX XXXX to receive no responses when filing this several times with them. They indicated it was involved to recent students for school closing when I won a case with the Attorney General office for a lawsuit of fraud for misrepresentation of my cases from the Attorney General for fraud. I requested for the school closure to be removing XXXX debt since having to transfer credits that XXXX XXXX XXXX indicated that they would honor which they did not. I put this for a whole other complaint with CFPB of transfer of credits while charging me for an entire program of funding from FAFSA. The final issue with Navient was payment arrangements to be setup and while during the COVID issue for putting it under forbearance while charging me interest on the loans during this time. Since the transition from XXXX to XXXX ; my income has dropped to almost half, while inflation has tripled in the past two years. I could only find contract work which almost made me homeless twice and while finding an alternative to move out of the city near family to assist with economic hardship. I have no way of paying my loans due to XXXX and XXXX XXXX XXXXXXXX fraudulent misrepresentation of loans and while working on a XXXX XXXX with XXXX for telling me that a XXXX XXXX wasn't going to be enough for future roles. I went from making XXXX to XXXX while living with my son due to inflation. I am looking to have my loan situation with student loans to be handed through economic hardship and have applied for putting my name on lists for these programs. My loans are standing at XXXX and no way to pay back these loans due to hardship. I am currently XXXX with XXXX in both arms, neck, and shoulders from the type of jobs in the past from falling. I am working on getting XXXX in the near future as well. I am adding this complaint for Navient over interest to loans due to forbearance that did not allow me to make low payments that I could afford. I am adding a complaint for not removing XXXX loans for school closures that I hope to get resolved through CFPB. I plan on filing another Attorney General complaints with this complaint. I am looking for my loans to be declared for an emergency of clearance due to financial hardship and under XXXX of approaching XXXX  years of age. I will not be able to work much longer due to limitations.

Company response to consumer: Closed with explanation