BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing Complaint due to the fact XXXX, Transunion and XXXX fail to keep proper and accurate records of my Credit reports. I have been the victim in the past of identity theft, and reported such report to the XXXX major Credit bureaus and the secondary ones like XXXX, XXXX and XXXX. To date despite me writing and requesting a RE-investigation to Transunion ; Transunion continues to send me post cards of " unacceptable proof of Address '' and various requests what appears to be delay tactics which in turn is hurting my credit scores and ability to make purchases in my correct credit rating. DUE TO THE FACT XXXX and Transunion fail to keep 100 % ACCURATE information and proof of verifiable and true reporting. To date Transunion still reports false allegations that the US Courts is a furnisher on my credit report, which is 100 % INACCURATE AND FALSE according to the Court. And UNDER the Fair Credit Reporting Act ( FCRA ) XXXX, TRANSUNION and XXXX credit reporting bureaus is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly states a consumer reporting agency CAN NOT furnish an 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 non-monetary relief
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting 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. 

Account name : 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 infor mation 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
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: Was not notified of investigation status or results

Complaint:
I currently have a chapter XXXX bankruptcy listed on my credit report. I have submitted a request for a letter for a method of verification for reporting such bankruptcy on my credit to two of the reporting agencies, XXXX and Equifax. I have sent three letters, on three separate occasions to both credit reporting agencies asking for the following information : a ) The name of the Courthouse, b ) The person 's name who verified the dispute, c ) The address, d ) The telephone number, e ) The documentation used to verify the original dispute. My initial request for information was sent on XX/XX/2020, XXXX request was sent on XX/XX/2020 and my final letter was sent on XX/XX/2020. To date I have not received any correspondence from these agencies relating to my initial request for method of verification. It would be greatly appreciated if I were able to get this matter resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-19
Company: EdFinancial Services
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My subsidized and unsubsidized loans were " forgiven '' in XXXX of XXXX. I have been paying on them for well over 20 years so the time was up. Anyway, they show as paid in full on the provider 's portal but still show a balance on my credit report. There is also a refund of over {$3000.00} due to me that has not been received. I disputed this with the credit bureau but they were advised the reporting was accurate?

Company response to consumer: Untimely response
Consumer complaint received 2022-01-10
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This all started back on XXXX XXXX, I fell behind in payments after my wife had cutbacks at her job and other loan contributor moved out of the home because he was having a new kid and needed a place of his own for his family. I started to fall behind in payments, and since Mr. Cooper doesn't allow partial payments, once I fell 2 months behind, I was chasing payments at that point. Then my payments when from XXXX to XXXX by time XXXX came around and we had all attentions of using out tax refund to catch up on payments, but that is when the pandemic 1st started and came through, so we had to use the money for food, etc. as everyone was on lockdown. The payments started going up because we owed insurance and taxes and they made the payments go up right away, to an amount, we couldn't afford at the time. We went into forbearance program with bank and after being in program we were told I could reapply for another loan modification but since then, all I keep getting is denial letters from the bank. at 1st it was because we had to wait a full year since our last modification and then when that time passed, now they deny us because they stated we don't have enough income. we have since learned from online financial classes how to budget our money and live off a budget, my wife has gone back to work, and we rented out one of the rooms and make 3x times the mortage put together now but the bank will not give me another modification for some reason. i am asking anyone who can help to please let me know what I can do, all I want the bank to do is give us one last modification and once this is done, the payments would be affordable, and we get to keep our home. 

The main problem is no partial payments are excepted so, unless we have the whole amount past due, we can't make any payments and I think that is a policy that should be changed, because we could have been making partial payments all these months and wouldn't owe as much as we do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Problem # XXXX My servicer ( EdFinancial ) has made errors to the days of accrued interest, and subsequently, the amount of total interest accrued. I was in graduate school from XX/XX/XXXX to XX/XX/XXXX. There are XXXX different loans that were borrowed after XX/XX/XXXX when payment paused and interest stopped accruing. The image attached is a screenshot I took of my total loan balance on XX/XX/XXXX. Please note that no payments have been made before XX/XX/XXXX. From the image ( XXXX ( XXXX MB ) ), loans XXXX to XXXX are the XXXX loans borrowed after XX/XX/XXXX. All these loans have accrued 86 days worth of interest by XX/XX/XXXX, but it should've only accrued 43 days. ( from XX/XX/XXXX to XX/XX/XXXX ) For example, the loan 1-13 Direct Grad PLUS ( Principle : $ XXXX, XXXX : 6.280 % ) that was issued on XX/XX/XXXX, should have accrued total of 43 days of interest, {$310.00}. But it shows amount of interest accrued as {$620.00}, or 86 days worth of interest. This is the same case for all of my loans that were borrowed after XXXX, XXXX ( Loans XXXX to XXXX ). 

Problem # XXXX However, after the screenshot was taken on XX/XX/XXXX, I have made a payment of {$7000.00} on XX/XX/XXXX. Because Edfinancial put me on the standard payment for 2 months since the payment resumed XX/XX/XXXX. However, I had requested for REPAYE ( and now called XXXX ), back in XX/XX/XXXX, and again, on XX/XX/XXXX. Based on the timing of my application, I should've been on the XXXX plan since XXXX, and automatically been changed to SAVE plan by XX/XX/XXXX. However, because Edfinancial has put me on the standard payment for the first 2 months, I was forced to pay the minimum amount of {$3500.00} every month. In total, I had made {$7000.00} payment, which was very high compared to the income I have. Not only that, because I was not on the XXXX plan, I have not been able to receive the benefit of the plan that " eliminates 100 % of remaining interest for both subsidized and unsubsidized loans after a scheduled payment is made. '' As a result, I've accrued interest that was not paid for during the first 2 months, on top of the incorrect amount of interest that accrued. The representative I talked with said they can not see the date of loan imbursement, and therefore, can't calculate the correct amount of interest. Edfinancial refuses to make any changes because they say that they never received IDR Application report from FSA.

The payment I made went towards the incorrect amount of interest, and some of my principal balance. Edfinancial refuses to review my account as they confidently say there is no error.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-14
Company: Upgrade, Inc.
State: IL
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:
Hello I think this company, UPGRADE, is a scam. I am also talking to a lawyer who has several complaints about them, similar to mine that I found whlie researching. I have called this company 12 times and each time I am told someone will research the issue and get back to me. They never do. I filed a XXXX  complaint and at first the rep told me she saw the mistake and would remove the balance from my account but weeks later she said the opposite. I asked for them to send me the details of the charges remaining on the account. Who, when and how much. That isn't too much to ask but they simply can't do that. I've asked on the phone, email and a letter. 

You see, I never intended to carry any balance on this card. It was simply to use for online purchases as I am a tester and then I return the items. All items were returned, proved returned and when those charges were not refunded, I opened a dispute with Upgrade and support material was sent. They should have all be refunded after the disputes. But for some reason, they were not, and NOBODY can tell me why, what happened or what charges remain. Scam sensor is going of!! 

Also, they had my debit card on file and one month, they charged me out of the blue for no reason. Again, I called in and they said they would research and get back to me but never did. 
I have a phone log with times of all the times I talked to them. 
I also have copies of emails and letters Please help. This balance is ruining my credit report and these people are scammers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
The lack of timely updating by creditors to both of our credit reports which impacts our ability to get any or correct and non usurious financing. Both my account and my wife 's account need to be identified and both of our specific credit reports updated correctly since the government forces us to be linked. The credit report balances are incorrect by as much as two months. The disputes are never finalized and third party credit reporting is even more incorrect. In my opinion a great scam creating fraudulent information being submitted to lenders. Since the Credit Bureaus dance around the problem consistently reporting back they merely collect the data, then the problem evidently is in the correct and timely reporting of payments and balances since these banks are quick to post negatives even when wrong! Try to correct them 60 or 90 days if that. EVEN though I requested the correct balances be validated and supplied a credit bureau fax number the correct amounts were not posted. Hence my scores actually went down further impacting our ability to secure funding in any manner with adverse actions even from those we never submitted to who pulled unauthorized reports. Even while balances were INCORRECT for a considerable time and adjustments were finally made 6 or 8 months later our credit was impacted and we were left with little to no recourse under the laws written by the honorable s.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit 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:
In XX/XX/XXXX we made a deposit on XXXX XXXX  for {$15000.00} on our Bank of America credit card that was for reservation # XXXX that was to take place on XX/XX/XXXX. In XX/XX/XXXX XXXX  declared bankruptcy and directed us back to our credit card company for a refund. We promptly filed a dispute that was denied due to the date of the charge which we disputed multiple times. I then decided to wait until the date of our cruise to file the next dispute due to not receiving the services that had been paid for. 

They acknowledged that I was entitled to a refund and credited my account {$960.00} and claimed I had already received a partial credit of {$14000.00} in XX/XX/XXXX. I filed yet another dispute letting them know that that credit was for a cruise that was booked in XXXX to take place in XX/XX/XXXX but was cancelled due to XXXX  and was reservation # XXXX. I provided the documentation of that cruise and payments that were made in XXXX and XXXX of XXXX that were ultimately refunded in 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 monetary relief
Consumer complaint received 2020-12-13
Company: Experian Information Solutions Inc.
State: MA
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:
Dear Cfpb, here is the issue. 
One year and a half ago, someone purchased a sofa set from XXXX with my credentials on an installment plan. Initially I didn't notice but right after my credit score bottomed in 6-7 months I got intouch with XXXX. By that time they have declared the account delinquent and reported me to the credit bureaus. 

After bunch of calls and complains they finally deemed it as fraudulent and told me they would do everything in their powers to fix the issue and work with the credit bureaus to erase that item from my account. Well .. not really.

What has happened is that their credit company XXXX gave my account to a collection service. All three of them filed against my credit record as delinquent and killed my credit score.

In the past 2-3 months I am working with XXXX, XXXX and Experian to fixing the issue. 
XXXX  did an investigation and they admitted it is all fraudulent therefore they deleted the items off my record. Experian and XXXX  had different view. I do not understand why. 

XXXX said it's fraudulent, XXXX said they are working onto helping me straight it up, the collection service XXXX XXXX said it's all closed and their investigation showed a fraud, but not XXXX  and Experian. 
My credit score went from XXXX to XXXX and there is no fixing that they said. 

Can you help me out with all of it. 
XXXX XXXX - never answer a phone call XXXX XXXX collection service

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 2023-11-09
Company: COMMUNITY BANK SYSTEM, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened an account with XXXX XXXX 's community bank in XXXX XXXX XXXX - I have had an enormous amount of fraud since I opened this checking/Savings account with a debt card. They knew my account had fraud but never went line item with, I am XXXX and needed and asked for their help and they did not help. 

I have one major offender XXXX that has charged me twice ( maybe more, trying to get all my statements ). for XXXX on both XX/XX/XXXX and XX/XX/XXXX- XXXX stated they will return my money if I go thru the bank to help me and the bank will not help me. 

I did live in VT but moved back to XXXX  in XXXX, I asked the bank before I left to freeze my account in the spring of XXXX as there were suspicious charges and XXXX should not have charged me as I did not live in VT. The bank refused to freeze my account. I called, I wrote letters, I returned my checks, and debt cards and they still did not freeze my account. Then my account was in arears and I had to pay, if they would have frozen my account liked I had asked several times this would not have happened. As well, they never took the time to go line by line on my statements and I have had more than 20 line items of fraud on my account. They just kept giving me another debt card knowing well that I had fraud. 

I even sent them notarized letters as they said my letters, even thought they included my checks and debt card was not notarized. Even notarized they did not freeze my account as that is evident by XXXX and XXXX monthly charges that I did not approve. 

I have scanned my statements, which they also are refusing to realize I live in Ohio not Vt and all my letters show my Ohio address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a old debt Past Statue of Limitation! Purchased by a 3rd party for pennies on the dollar. Does NOT state Original debt DATE or the Original Debt Company. I don NOT owe this. Will NOT pay for a old debt that is way past Statue of Limitation. These tactics are NOT legal, as they are filling at a Court House that is PAST STATUE OF LIMITATION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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:
" The Heroes XXXX ensures that consumers are held harmless and do not suffer further damage by having late payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to to get affordable credit or even a job. '' ( Per Heroes Act ) I was affected by the XXXX XXXX which caused me to have late payments. 
According to the Heroes Act ( Section 110401 ), - suspends negative consumer credit reporting during the Covid-19 Pandemic plus an additional 120 days. 
- Prevents credit scores from being ruined during the Covid 19 Pandemic including late payments reporting on consumer credit file and report. 

I also sent a dispute letter for late payments that I was affected by during Covid- 19 by certified mail. The delivery tracking number for XXXX is XXXX with XXXX and was delivered on XX/XX/2022. 

I also sent a dispute letter for late payments that I was affected by during XXXX XXXX by certified mail. The delivery tracking number for Experian is XXXX with XXXX and was delivered on XX/XX/2022.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: IN
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief