BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: Upgrade, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I called upgrade to change my payment date from the XXXX of each month to the XXXX. The representative I spoke to offered a Covid 19 forebarance plan where I would pay only the interest. No documents were sent showing the transaction, I was told the principal amount would be tagged to the back of the loan. Understood. Upgrade automatically debits my account, it was to be a three month interest only  process. Yet in XXXX they again withdrew only the interest amount. In XXXX I recieved a notification that my credit score had dropped. When I checked my credit Upgrade had reported me rolling XXXX from XXXX until XXXX, with a current and full XXXX payment which they withdrew as agreed. I immidiately contacted Upgrade and they corrected the three months, but have yet to correct XXXX, stating that I should how contacted them for an additional payment. I asked them to please provide the document where I acknowledged that if they dropped the ball, I would manually log in and make an additional payment. Of course there is no such document. 

We are now in mid XXXX and it has not been rectified.My score dropped 45 points, upgrade markets themselves as credit help. Which in my opinion makes this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXXXXXX XXXX erroneously reported late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over the course of two months, I have been contacting XXXXXXXX XXXX to update my credit report to reflect accurately regarding those payments. I received written letters stating that all three bureaus were updated with correct payment information in XX/XX/XXXX. I continue to file multiple disputes because those incorrectly reported late payments are still there ; every dispute winds up being closed with the determination that " data furnished by provided is correct '' when the data is not correct. Additionally, my family suffered financial hardship and were impacted by Covid-19. We were late on payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had contacted our lender and were assured we would not be reported late nor would we be charged late fees. Well, they did not charge us late fees but they continued to report us late to the credit bureaus despite the fact that we suffered a delay in income because of Covid ( I had just had our XXXX child and my XXXX  pay was delayed because of the overwhelming influx of new applicants to the unemployment/XXXX system ). Please assist to the best of your ability as these remarks are causing significant damage to our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: NEW IMAGITAS, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I can not comprehend why you are not doing your job of enforcement. XXXX is advertising on XXXX a 1.88 % APR without a credit score and without knowing whether its a purchase or refinance. This is pure baloney. Todays date is XX/XX/2021. No way that they can advertise 15 year fixed at XXXX APR for everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: U.S. BANCORP
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
My bank offers Overdraft Protection which is essentially a Reserve line of credit that covers any overdrafts on my checking account. It also offers online banking where I can schedule payment of bills or transfer funds between my accounts ( ex. move funds to checking from savings ). When  transferring funds between accounts, balances are adjusted real-time. When scheduling payments, balances are not adjusted real-time. When you schedule a payment, you may have sufficient funds in your account to cover the payment but when the pay date arrives you may not if in the interim additional debits reduce the checking account balance. 

This is what happened to me. On or about XX/XX/XXXX I schedule payments to my life insurance company. I had sufficient funds at the time. Before the pay date arrived various debits hit my account reducing the balance. When the pay date on the scheduled payments arrived the bank paid creating overdrafts which they then covered by the Overdraft Protection for which they collected various fees. 

I contend that by not reducing balances for scheduled payments, the way they do for transfers between accounts, the bank is acting in bad faith in creating conditions for consumers to be uninformed of insufficient funds conditions arising in their accounts.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
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 2020-11-19
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: Account status incorrect

Complaint:
XXXX XXXX  erroneously reported late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over the course of two months, I have been contacting XXXXXXXX XXXX to update my credit report to reflect accurately regarding those payments. I received written letters stating that all three bureaus were updated with correct payment information in XX/XX/XXXX. I continue to file multiple disputes because those incorrectly reported late payments are still there ; every dispute winds up being closed with the determination that " data furnished by provided is correct '' when the data is not correct. Additionally, my family suffered financial hardship and were impacted by Covid-19. We were late on payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had contacted our lender and were assured we would not be reported late nor would we be charged late fees. Well, they did not charge us late fees but they continued to report us late to the credit bureaus despite the fact that we suffered a delay in income because of Covid ( I had just had our XXXX  child and my XXXX pay was delayed because of the overwhelming influx of new applicants to the unemployment/XXXX system ). Please assist to the best of your ability as these remarks are causing significant damage to our credit score.

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 2021-05-19
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an account with XXXX in XXXX and it was closed. A Company by the name of Waypoint Resources, whom Ive never had an account with has added an account to my credit report with a date of XXXX. I have never had an account with with Waypoint Resources and they refuse to remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 explanation
Consumer complaint received 2020-10-28
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 filed a dispute with Experian about several accounts that are on my bureau incorrectly. I filed the disputes online through their website yesterday, XXXX XX/XX/2020. Today I receive an email stating that there was new information for the dispute investigation. It states that the information was certified by the company reporting on XXXX XX/XX/2020. So there was no investigation? How can an account be certified three days before I dispute the account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am being harrassed by navient over a private student loan I am unable to pay at this point in time due to being laid off work earlier this year. I have explained the situation to the company and the response I received is " it is a private loan so it is your responsibility to pay back or get your co-signer to pay for you. '' I have asked to be put on deferment to which I am refused. They call me, as well as my co-signer every 30 minutes from about 15 different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
accounts not known to me or FTC violations : XXXX XXXX XXXX XXXX Original creditor : XXXX  {$680.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$680.00} {$680.00} Payment Info Original loan amount {$680.00} Balance {$680.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$710.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$710.00} {$710.00} Payment Info Original loan amount {$710.00} Balance {$710.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$920.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$920.00} {$920.00} Payment Info Original loan amount {$920.00} Balance {$920.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX all were filed to FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Sterling Infosystems Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity was obviously stolen and someone has my social security number. This has caused me to probably lose my job

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 2020-11-19
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is attempting to collect a significant amount of {$950.00}. This is an outrageous and horrendous amount since I don't owe them that much. I called them and a representative told me this onXXXX. I believe this is coercion because they have also threaten to sue me for the deceptive amount via mail. They have also attempted numerous of times in unwanted times of the day to call me in attempt to collect this fraudulent amount of debt. I believe this is in direct violation to the Fair Credit Reporting Act because of inaccurate amount and the huge count of unsolicited calls made to my personal phone line by this collection agency. They also fail to report the collection to the three major credit bureaus when this account got sold into collections back in XX/XX/2020. This is more than the 90 day period it takes for it be reported as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received several calls claiming to be from the " Collection Bureau of the Hudson Valley '', stating that I have an outstanding debt that is now in collection. Upon evaluating my credit reports, I have no outstanding debts. Calls were from XXXX, with request to call back XXXX. Received the calls on many occasions, including XX/XX/2020, and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Factor Trust
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:
the errors of inquires on my credit report are fraud I didn't apply for loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX   XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: UNITED MORTGAGE CORP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Im writing this to you to explain to you what a horrific experience I just had with United Mortgage. It started back in XXXX when the seller accepted mine and my boyfriends offer. We decided to do an FHA loan because needed to do renovations on the house. During this whole process we encountered the mortgage guy stealing from us and not even doing his job and processing our mortgage. Everytime we would ask about it he would said everything is okay or everything is moving along. We later come to find out that he had stolen money from us and nothing was getting done. We had a specific time frame in when things needed to be done. When things didnt start adding up and we kept sending over the same papers that we had already completed, i started to look further into this. Then out of no where they assigned someone else to our file and still nothing was getting done. I found out that our mortgage was fired and no one even told us about that or what was happening with our file. No one in that company helped us at all. We kept getting switched to different people and not one of them helped us or apologized for what was going on. I brought up the money being stolen from us from a pre-aprisel feel that was not even something that we should have paid for. When i brought that to their attention they did nothing about that but just said that was illegal what he did, but nothing was done about it. So the time was coming closer to our closing date And nothing was being processed or taken care of. The seller said that we wouldnt be able to get another extension if they werent able to fix this. I was then devastated bc this hope we wanted so badly and we did everything on our part to make sure this would happen. We then got a phone saying they terminated our deal and we lost the house with no remorse or sympathy for what they just put us through. Also trying to get InTouch with them was another nightmare. We spent {$900.00} for an inspection, {$670.00} for a title search and {$440.00} for a land survey plus paying a lawyer {$500.00} and we didnt even get the house. The amount of incompetence and unprofessionalism we experienced was beyond anything I have ever seen or dealt with in my life. Im writing this because I want someone to hear my story because how we were treated and lied to no one should ever ever have to deal with. I want people to know that this company is by far the worst and people should not be using them if they actually want to get a house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have BBVA Visa Card one year and 2 month. and wife have individual card in her name from BBVA VISA card, Bad news, BBVA Visa replaced the card fourth time due to my wife card compromised three time within 14 month period .and my account its issued second time.

BBVA Visa someone inside leakage our information to third party and its charged. 
We live in XXXX XXXX XXXXXXXX and all these fraudulent charges come from southern states of USA where BBVA have more activity. I did filed separate complaint against this bank about that.

When BBVA issued the card last year they also offered 13 month 0 % APR on purchase and in their monthly statement in their second page they do provide information how much i owe on purchase and also showing 0.00 % due to offered and also say interest paid 0.00. They do not provide the information in their statement what date this 0 % APR going to expired date. Like other credit card do saying EXPIRED DATE of 0.00 % APR will expired, BBVA not provide complete information of 0.00 % interest of purchase expired. its make the consumer confusion and consumer think still o.oo % interest. When I received statement on line, I did paid all balance on the account and asked to refund the interest charges {$42.00}. On my phone call, BBVA representative Ms.XXXX did issued the ticket # XXXX on XX/XX/20. and she said it takes few days to see the credit in my account and also back office of BBVA have to approved it. yesterday when I was talking to other representative Mr., XXXX, Customer satisfaction dept, he did mentioned that still back office considered to refund the interest. Today, I received phone call from Ms.XXXX and she said she is higher officer and calling for my complaint on why BBVA blocked three card within 14 month and now i got fourth card. she still do not know why BBVA have this issue and compromised card several time. I want to bring all this information to CFPB to find why this bank BBVA have these issued and not provide complete information in their statement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: SYNCHRONY FINANCIAL
State: MA
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:
I have a " Care Credit '' account through Synchrony Bank. I ONLY have access via their website since I do not receive paper statements and I do not maintain phone service. The only way I have to access my statements, transactions and to make payments is via their website. The problem is that they are now blocking my access to my account. They refuse to let me access it unless I give them updated personal information they have no right to know. Let me make this clear, this is not information to verify my identity, there is no question of that. This is them wanting personal information so they can sell it to other companies. They are literally holding my account hostage unless I provide them with a multitude of sensitive personal data. Just a few examples are my income, my marital status, my sexual orientation, and my number of dependents. They're also demanding access to my bank account to they can examine my spending habits. They are not entitled to ANY of this information, I would be a fool to give it. If I continue to refuse I will be late in making my payments and they will begin assessing fees even though they are blocking me from making said payments.

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