BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In 2007 I borrowed {$10000.00} from Sallie Mae for expenses associated with my graduate school courses. For the past 14 years, we have paid it on time. We approximate the sum of the payments we have made over the past 14 years to be almost {$40000.00}. 

The loan has been sold to Navient. Currently, Navient shows my balance as over {$12000.00}, and is still collecting a monthly payment from me. At this point, my payment is mostly interest, and a small fraction goes to the principal, and the loan is only growing. 

I can't find a way to deal with this other than just hand over an additional {$13000.00} to close the loan ( which I don't have ). Am I supposed to pay literally {$100000.00} before this {$10000.00} debt is paid off? XXXX XXXX XXXX XXXX but there is no loan forgiveness for this, because it is a private loan. 

I recently purchased a new car for {$24000.00}. My monthly payment is {$350.00} per month and it will be paid off in 72 months. In comparison, I feel that I am being taken advantage of by Navient. I need help and my family is suggesting I hire an attorney. Do you know of any attorneys that deal with situations like this? Is there anything you can do to help me? My income is low. This monthly payment is just cruel at this point because it doesn't make any progress toward reducing the loan. 

Thank you for your help and advice, XXXX XXXX XXXX Navient account # XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Wells Fargo made a faulty transfer to my bank account. The money was returned and now WF makes it impossible for me to get my money back. I made more than 10 attempts to talk to WF. Every time I talk they give me new information. In the end nothing happens. 
I need you urgent help with this. 
Here are the details : I had a saving account in Wells Fargo Bank. 
On XX/XX/2022, Wells Fargo sent me an e mail saying that this Bank required that all consumer provided a valid primary residential address located within the US or its territories. As I don't live in the US, I decided to close the saving account, because they pointed out a deadline until XX/XX/2022. 
I called Wells Fargo from XXXX, using the phone number XXXX XXXX XXXX XXXX ( that calls were charged to my phone receipt, even when they were supposed to be no charge ), and I asked to close my account. They gave options to get my money : to send me a check or to do a wire transfer. I choose the second one to a bank in XXXX, and I called Wells Fargo and gave them next information so they send me the money : Account number in Wells Fargo Name of the Bank of destination ( in XXXX ) Swift code Account number of destination XXXX  key Owner of the account in XXXX ( me ) On XX/XX/XXXX, a Wells Fargo banker called me and verify the information, she let me know that the deadline to have the money in my account in XXXX was XX/XX/XXXX, but maybe too much soon. 
On XX/XX/XXXX, I received an email communicating my account was closed. But the money was not in my account. 
I called Wells Fargo many times ( all of them charge to my phone receipt ), and finally they told me I had to ask in the XXXX bank, because as the Wells Fargo account is know closed, and they could not find the money. 
In the XXXX bank they told me Wells Fargo asked for an investigation about that transfer, and they answered them on XX/XX/2022, the money was returned with a transaction number. I called Wells Fargo again, and sent that number, but they just answered : Hello We have contacted to our wire room- Wire still has not been returned and no messages from Beneficiary bank. 
Please contact your bank regarding your wire transfer. 
Thank you Said an Operations Processor, Issue & Inquiry Resolution / Account colusures & Partial Withdrawals What can I do know? 

I just want to have my money.

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 2020-02-07
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX received a statement from our lender showing a missed payment of {$2000.00} and a year of late fees in the amount of {$1600.00} Lender never informed us what payment was missed. 
XX/XX/XXXX sent letter to lender with bank statements to show no missing or late payments from XX/XX/XXXX thru XX/XX/XXXX XX/XX/XXXX received letter they would review the account XX/XX/XXXX received letter maintaining that we had missed a payment along with an account activity report that show that the first time a late fee was charged was XX/XX/XXXX XX/XX/XXXX received a letter informing us that they were transferring the loan to another lender XX/XX/XXXX sent correspondence to new lender along with bank statements XX/XX/XXXX received letter they would review the account XX/XX/XXXX received letter from new lender stating the old lenders payment history showed a missed payment XX/XX/XXXX received statement that showed payment due {$2000.00} a passed payment of {$2000.00} and total fees & charges {$3400.00} totaling {$7500.00} It appears that they are not looking at our documentation that clearly shows no missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has persistently marred my credit history despite my repeated efforts to have it rectified. This letter serves as a formal dispute and a demand for the immediate removal of this erroneous entry. 
Account Information : XXXX XXXX XXXX XXXX I have previously submitted extensive documentation and proof that unequivocally established this account as the result of identity theft and fraud. Despite my diligent efforts to rectify this matter, the account continues to plague my credit report, causing immeasurable harm to my financial well-being. 
The Fair Credit Reporting Act ( FCRA ) mandates a prompt and fair resolution of credit disputes. It is essential to note that your continued inclusion of this fraudulent account on my credit report is not only unlawful but also damaging to my creditworthiness and reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}

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 2023-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
BK OF AMER HARD Inquiry, XX/XX/23, ( XXXX ) Received a voice mail from someone claiming to be from Bank of America asking me to contact them back to verify personal information for suspected credit fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX XXXX renewed a XXXX XXXX called XXXX on my Apple Card ( XXXX XXXX ) and I did not authorize them to charge anything on this account. I have never used my Apple Card and never authorized XXXX XXXX to renew anything that I subscribe to via my XXXX. I have called Apple Card ( Goldman Sachs ) three times to file a transaction dispute and reversal of charge ( as fraudulent or unauthorized by me ). My first dispute was in XXXX Dispute number XXXX which they reversed the credit to my card and said they had insufficient evidence. I then became 30-days passed due. I was unaware of their reversal until XXXX. On XX/XX/XXXX I filed a second dispute XXXX which they claim can take up to 2 billing cycles and up to XX/XX/XXXX to resolve. In the meantime, my account appears now as 60 days past due. I had a credit score way into the 800s and now it has dropped to XXXX! I called again today XX/XX/XXXX and requested a escalation for resolution. I refuse to pay for a transaction that I did not authorize and I do not owe them any money. I spoke with a XXXX at Goldman Sachs Agent ID XXXX XXXX and she said she was requesting a escalation for resolution. I have made all my credit payments on my Mortgage, Car Loan, and all other Credit lines 100 % on time. I do not owe Goldman Sachs ( Apple Card ) any money. I want this fraudulent and what appears as a delinquency off my credit report. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: PA
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:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Received hard inquries for something that was not even supposed to be a credit pull due to me not authorizing these : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AND 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 2023-11-10
Company: SLM CORPORATION
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I only received response from credit reporting companies that the account was verified as mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: OneMain Finance Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated by rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2022-07-12
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hi, I got out of school about the summer  of 2016 at University XXXX XXXX XXXX and I had put in a change of address that summer at the home I was living in and it kept sending it to my old address where I had lived before I left college and I put in a change of address at our local post office here in XXXX, PA and they said they had sent letters and documents to my house for me to fill out and get back to the loan provider and I never received any type of paper work or any type of payment option to get my loans paid off and it was negatively affected my credit score and it should be removed because the address was not a fault of 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 explanation
Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit was applied for using my personal information. I didnt not authorize my credit to be ran. These accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one auto XXXX capitol 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 put a deposit on this credit card when I opened it in the amount of {$250.00} dollars. XX/XX/XXXX I called the company and closed the account. The company is still charging late fees and high interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2023-06-06
Company: Experian Information Solutions 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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-04
Company: EQUIFAX, INC.
State: IL
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 disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action.I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX opened XX/XX/2018 is unrecognizable to me. I have never done business with them

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 2019-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
At the end of XX/XX/XXXX, I had called Bank of America to close my Spirit Bank of America XXXX. 

I assumed this had gone through, although now looking back, I did not receive a letter from this company regarding this closure. 

I did not use my card after this, but then was charged my annual credit card fee that is associated with the card in XX/XX/XXXX ( XX/XX/2019 ). I was unaware of this, as I had thought I had closed my account and had recently moved, changing the address on my current open accounts ( except for this one obviously ). I was notified that my score dropped drastically from this on XX/XX/2019. 

It wasn't until I saw the notification on my credit report that I realized that this was still open and now overdue. I paid it, after disputing with the company and not getting anywhere because I am trying to buy a home and didn't want the late fee to progress any longer with my credit score being affected. 

I have also opened disputes with the credit reporting companies regarding this. I have never had a late payment before and am very frustrated that this happened and has affected my credit so intensely. 

Thank you for your time and I look forward to the resolution of this matter.

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