BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: CCS Financial Services, Inc.
State: MN
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 letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: PA
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:
On all 3 credit bureaus there is an account listed from XXXX XXXX XXXX  original balance of {$2600.00} with a past due amount of {$390.00}. This is not my account. I called XXXX XXXX  an was told this was for a XXXX XXXX I never purchased a XXXX XXXX nor received one. I was told they would dispute this the merchant. However it is still showing on all 3 credit reports. I called XXXX XXXX who then called XXXX XXXX they said they were unable to find the account. I am a victim of identy theft from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On all 3 credit bureaus there is an account listed from XXXX XXXX XXXX original balance of {$2600.00} with a past due amount of {$390.00}. This is not my account. I called XXXX XXXX an was told this was for a XXXX XXXX  I never purchased a XXXX XXXX nor received one. I was told they would dispute this the merchant. However it is still showing on all 3 credit reports. I called XXXX XXXX who then called XXXX XXXX they said they were unable to find the account. I am a victim of identy theft from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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:
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. XXXXXXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX, XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: SLM CORPORATION
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I had a small Sallie Mae loan to finish my XXXX XX/XX/XXXX. I found myself filing bankruptcy in XX/XX/XXXX but continued to make my student loan payment even though I am a full time XXXX. XX/XX/XXXX I received a payment receipt for my payment to Sallie Mae. XX/XX/XXXX I also received a notice from Sallie Mae stating they have " charged off '' my account. I called on XX/XX/XXXX to inquire because I was confused. I was told that no other payments would be received on this account as of XX/XX/XXXX and they were sending back my XX/XX/XXXX payment and cancelling my recurring payment plan. I received a refund check in XX/XX/XXXX and confirmed no other payments were being sent to Sallie Mae. I am now being bullied and harassed about my overdue account. I have the letter from Sallie Mae, the receipt for payment XX/XX/XXXX and my credit report showing I was current until they sent back my XX/XX/XXXX payment. In addition to the harassment and bullying they are trying to impose excessive fees and penalties for non payment in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the covid pandemic we had our mortgage through Bank of America ... they offered us the Covid protection program where we could defer our mortgage payments during the pandemic and they would simply put the balance of missing payments to the end of our loan... not changing our rate or payments. We entered the program and were told that our first payment of reinstatement would be XX/XX/2021. We called on XXXX XXXX to make that payment and were told we couldn't make it because we didn't submit the proper paperwork... we questioned what paperwork. We were told something was sent in the mail. We did not receive any such paperwork. They told us they would re-send it and should receive in two weeks. We didn't receive it in two weeks and re-called them. The next person told us we could make the payment and once again they would resend the paper work. Which again never came. We called on the first of XXXX, XXXX and XXXX and continued to make our payments... each time being told we were fine ... all the while receiving statements in the mail saying we were getting further and further behind in our payments, but being reassured each time on the phone that we were in the covid program and were fine. We received a foreclosure warning XXXX and called again. They told us to make a second payment in XXXX, which we did by phone. Immediately after we were informed that our Mortgage had been sold to XXXX XXXX. XXXX XXXX has demanded the {$40000.00} which was supposed to be added to the end of the loan from the deferment program. They are refusing to acknowledge the covid protection program that we were in with Bank of America. Bank of America sold our loan without adding those deferred amounts to the end of our loan as promised. We now have to come up with {$40000.00} in funds that we do not have thanks to the pandemic to keep the home we built ourselves and have lived in for 15 years. We feel that Bank of America was fraudulent in their covid protection program for selling our loan before finishing the restructure of our loan. XXXX XXXX insisted that we apply for a loan modification which we make more then enough money to cover our payments and they denied it.

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 2016-04-25
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My student loan is with Sallie Mae. I have made several payments on this private loan. But, recently I have not been able to make payments due to unemployment and family changes. Now, Sallie Mae is harrasing mu family memebers, immediate and other relatives. It is a total disaster. My federal loan is under forebearance because I will go XXXX in XXXX 2016. But Sallie Mae, will not negotiate for such terms. I have written to them, called them, no success. I would appreciate any input and help. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Upgrade, Inc.
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
I got an email bill from Upgrade credit card ( never heard of them ). I disputed it, got a police report and an affidavit as directed and sent all documents to them. I have not been able to hear from them or get ahold of them since. They are still on my credit report, with a larger amount than when I first discovered this and notified them. I have disputed them several times on XXXX, to later be told by XXXX that the issue is found by Upgrade to be my responsibility. I still get email bills from them, and now bills to my home address with the larger amount due, yet no resolution to my fraud claim. They have not answered my emails or phone calls even though I have informed them that the police would like more information to assist in the investigation. Since they have not responded or cooperated in any way, the police have closed the case as unsolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Called TransUnion at XXXX and spoke with the first Rep XXXX, which she was very rude to me and then I asked to be transferred to special Handling and to see if they can help me she told me that she could n't do that and transferred to someone else and her name was XXXX XXXX and she also was rude to me. I was notified the inquiries were placed back on my credit report and wanted Transunion to remove them due to not being notified. according to the FCBA that is against the law. I attached parts of my credit report for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Freedom Mortgage Company
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
According to my latest credit report, FREEDOM Mortgage has reported payments missing on mortgage account ( XXXX ) Credit report shows delinquent 30-59 days, 60 days and 90 days FREEDOM Mortgage reported delinquencies have resulted in a dramatic drop in credit scores. I find these delinquencies appalling and outrageous. Due to the numerous setbacks/delays and FREEDOM Mortgage authorization to miss two payments during closing on refinancing application, XX/XX/2016 Freedom Mortgage informed me that they could not proceed with closing until account had been brought up to date. I had been led that I was authorized to at least two payments, while preparing to close on refinance application. During this process their had been numerous setback/delays, with no explanation. Due to FREEDOM Mortgage 's unwillingness to process refinance application in timely manner, having been given the run around, having been deceived on several occasions and Title company continuous delays in approving subordination, I had been forced to enroll into the repayment plan for six months. I was in compliance with they terms and conditions. I even sent documents to support authorization to miss mortgage payments. Instead of FREEDOM Mortgage admitting that they may have been wrong and proceed to reassess the situation has proceeded to report negative comments on credit report which has resulted in a dramatic decrease in 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 2022-04-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
FAILURE TO PRODUCE ANY VIABLE EVIDENCE REQUESTED IN SUPPORT OF THE ACCURACY OF ALL NEGATIVE ITEMS LISTED ON MY REPORT IN THE APPROPRIATE TIMEFRAME FOR OVER 9 MONTHS, INCLUDING COMPLAINTS SENT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU, AND STILL FAILING TO SHOW ANY TYPE OF PROOF WITH RESPECT TO THE CREDIT REPORTING ACT OR GIVE ANY RESPONSE TO MY CLAIMS, REQUESTS, OR COMPLAINTS- INCLUDING FAILURE TO SUPPLY ANY TYPE OF CREDIT REPORT - INCLUDING LEGAL ACTIONS ALREADY TAKEN - AND FAILURE TO ADHERE TO THE REQUIREMENTS, CLAIMS, AND REGULATIONS REQUIRED BECAUSE OF THE EFFECTS OF COVID-19.

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 2022-04-19
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried four time to get my consumer report from LEXIS NEXIS. I submitted a copy of my driver 's license and they are denying me access to my consumer report and file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX account balance was paid of {$220.00} and only showing through XXXX affecting my transunion score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Privacy

Complaint:
Earlier this month, I received the Annual Privacy Notice Statement from Discover. On XX/XX/XXXX, I tried to check my privacy settings online at Discover.com. It was impossible to find my privacy settings. I called Discover to find out the information. The representative told me to check my user agreement. That was not helpful. 

Later that day, I sent a secure email to Discover requesting the information to check my privacy settings. The representative ignored my request. I want to be sure the privacy settings are correct, but the Discover representatives are not providing the information so that I can check to be sure the information I want restricted is restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have a student loan account that is currently in Forbearance,. There are 6 accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all 3 Agencies ( XXXX, XXXX, Experian ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my 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 2022-04-19
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: Account information incorrect

Complaint:
I have a student loan account that is currently in Forbearance,. There are 6 accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all XXXX Agencies ( equifax, XXXX, XXXX ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My daughter received a loan from Sallie Mae for tuition this semester, and I co-signed. To keep the budget manageable for her, I 'm making the monthly payments while she is in school. 

When I got the first bill I signed up for auto debit ( i.e., Direct Payment via ACH ). They provide a .25 % discount on the loan rate. I provided RT/DDA etc, and was n't paying much attention on the amount. The first payment is due XXXX XXXX, so I just checked again, and I 'm signed up to pay the minimum, so thought I 'd call them to see how I could bump that up a bit on a recurring basis each month to shorten the loan repayment period ( there was no info on their website about how to do this ). 

But Sallie Mae does n't allow it!!! Sallie Mae only accepts the minimum payment when the borrower signs up for auto debit. This binds the borrower to a longer loan repayment period - and earns more interest $ $ for Sallie Mae. When I called, they confirmed that the system only allows the minimum payment for auto debit, and that to pay more you have to send a check or make an additional payment via online banking, which is not customer friendly - and less convenient as it adds another step. 

This smacks of corporate shenenagans - offering a .25 % discount for auto debit, but then only allowing minimum payments for the benefit of Sallie Mae. I mean, think of all the poor graduates who want to use the convenience of ACH debit to manage their expenses, and now they get locked into paying more interest because the life of the loan gets extended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

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. 

XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXXAccount # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights unknown Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights

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