BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-17
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On or around XX/XX/XXXX I called Sallie Mae and tried to make arrangements with the interest only loan student loan. I am the co-signer for my XXXX children. I am going through a divorce with no financial support. MY income has been cut to less less a 1/3 of what I was making while I was married and originally when the loans were taken out. I tried to get ahead of the 7 loans going into default. for over a year I was able to get forbearance but now late payments has a negative impact on my credit report along with my children. I can not afford to make the interest only payments or make the payments when the grace period is up in XXXX. I have repeatedly called looking for help in many departments at Sallie Mae begging for help, to no avail. My credit score has dropped 100 points at this point. I just entered the work force a year ago and I was a stay at home mother trying to support four children and a house hold.Thank you for any help you can offer. 
XX/XX/XXXX is the beginning of when my credit has negative reports, I have disputed the claim. Currently the loans are approximately {$120000.00} in student loans.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My complaint to the CFPB about SN Servicing Company requests an electronic copy of my pay-off letter so I can sell the house, without an actual pay-off letter I will not be able to sell the house. The letter SN Servicing Company sent me is not a pay off letter so I won't be able to sell the house and be subjected to the financial suffering of not get the requested pay-off letter. I am frequently told that I am a very easy guy to deal with and I don't think that a mortgage servicer should deny a customer a letter that will be used so that all entitled parties are pay in full. 

I am asking for an electronic copy of the pay-off letter so I can pay the house off in full. 

How is this : could you please send me an electronic copy of the pay-off letter made out for XX/XX/21 so I can sell the house. I don't have any options because a pay-off letter is required to sell the house. If I don't receive the pay-off letter soon I will no longer have a buyer for the house and be subject to financial damage. All I want is the pay-off letter I am not interested in being pen pals and wasting your time I am trying to conduct official business and being denied a required document that should be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from 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 2019-01-30
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I graduated from XXXX  school in XX/XX/XXXX, I had accrued {$93000.00} in student loan debt ( combined federal and private, both serviced by Navient until XX/XX/XXXX, which is when my federal loans went to XXXX XXXX ). From XX/XX/XXXX to XX/XX/XXXX, I was a XXXX XXXX XXXX serving abroad. As XXXX  don't make money, I contacted Navient for help. They told me XXXX  aren't eligible for any kind of loan deferment, but I could go on an IBR plan that would be {$0.00} given my income of {$0.00}. I tried to do just that. I uploaded the proof of service to Navient 's website over and over again. I called them over and over again and they tell me the same thing : upload this public service form and everything will get sorted out. Finally, I figured out that I was egregiously behind on payments because of how long this was taking. I call them again and they tell me ( FINALLY ) that they actually need a pay stub to prove my current XXXX  service. I explain that XXXX  do not get pay stubs because we do not get paid. Period. They then told me my only option was forbearance. I went into forbearance for over two years. To give you an idea of the catastrophic damage this has done to my life, let me show you these numbers : I borrowed about {$93000.00}, I have since paid back over {$32000.00}, and now I currently owe over {$100000.00}. Navient put me in this hole on purpose. 

When I returned and got a job with the XXXX XXXX in XX/XX/XXXX, I had my federal loans go to XXXX XXXX, but my problems with Navient continue. My private loans are still serviced by them and they have been playing dirty business tactics. I submitted two payments to Navient in XX/XX/XXXX ( despite being a XXXX  XXXX XXXX   at the time ). I got confirmation emails that both payments were received. My online account on Navient 's website says both payments were received. It still says that right now. But today I got a call from Navient saying those payments didn't work and now I had late fees associated with it. This is dirty, dirty, dirty. I sent screenshots to Navient showing that my account with them says the payments went through, but they maintain that I should have figured out that their website is garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Resolution Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, NM, XXXX To : The Office of Registered Agent for Account Resolution Services From : XXXX XXXX XXXX Regarding XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members , possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within XXXXour business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : 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 explanation
Consumer complaint received 2020-12-17
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 {$1200.00} {$1900.00} {$2200.00} there is this company that keep changing names and keep reinserting on my credit by different names same company ... I feel like im being pressured harrased by this company and their giving me different amounts ... I even tried to reach out to the company to resolve this.. they gave me the run around and seem to be a rude company and also call me at XXXX at night ... This is really stressful the harassment especially calling me unknown at XXXX at night.. the name of the companies that are the same but have different names are XXXX XXXX XXXX XXXX and they other name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Collection Bureau of America Ltd.
State: NV
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:
As stated prior to, this is not my account. I am not associated with the address or any of the information listed on that 'contract '. I need to be provided a physical copy of the original consumer signed contract with MY SIGNATURE ON IT. This is not my information. In addition, I am requesting to be provided these phone calls as well, because I've never spoken to this company nor have I received services from them. I am requesting all of this documentation which will serve me in compliance to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. I am again formally requesting a copy of any documents, bearing my signature, showing that i have a legally binding contractual obligation to pay them the alleged amount. Nothing that you've shown me proves this account belongs to me! Where is my social security number on this alleged contract? Non existent! My social security # which is needed on any contract proving that it's connected to me, is not on this contract! This is not my account and I'm requesting that it be deleted from my credit report immediately. 

Thus far, they've sent me a paper with the name 'XXXX XXXX ' on it, no social security number connecting this account to me is on this alleged contract, it is not my signature and it's address is a location I've never resided at! Please delete this account immediately. In addition to this, I will like to be provided the phone calls they state they have according to their 'records ' of me admitting this account belongs to me. It does not! 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
It is XXXX duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Transunion is reporting an inaccurate late payment for the XXXX Bank account ending in XXXX. This is a XXXX late payment posted on XX/XX/2019. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights.

Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On numerous occasions, XXXX XXXX of XXXX ran a hard inquiry without my consent. I would like them removed. He ran my credit more than 40 times without my consent. I see no way to remove any of them. I would like them removed from all credit reporting agencies. There are groups of inquiries from different dates. XX/XX/XXXX, XXXX. Any inquiries done by XXXX XXXX XXXX XXXX after XX/XX/XXXX. 
On TransUnion, I have a total of 51 inquiries. At least 40 of them were done by XXXX XXXX. He did not have my permission. They were trying to get me out of the piece of XXXX car they sold me. When the manager, XXXX, found a car I MIGHT be interested in, he ran my credit. He knew I was only looking for a certain car but did whatever He felt I might be interested in. This is fraudulent. 
XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account 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 non-monetary relief
Consumer complaint received 2020-12-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
First time selling item on XXXX. Item listed for {$800.00}. Immediate text interest from XXXX. Buyer said he would send cashiers check for {$1900.00}. {$800.00} for the item. A {$50.00} tip for me for taking the listing down and holding the item for him. And {$1100.00} that I am to provide the movers when they pick up the furniture item. He is apparently moving to the city but his moving company was going to pickup the large furniture item for him. I receive cashiers check and deposit it. It clears. I set pickup time and the buyer says the {$1100.00} must be sent via XXXX XXXX. I said no. Only cash or check in person when they pick it up. He said with Covid the rules are they must have the I asked why he couldnt have sent it then. He said I already have his money and this is legit. So I sent {$1100.00} to XXXX and I had a bad feeling about it. I also thought I had the money in my account though. He avoids me the next two days. Then says his wife has been in an accident. They arent moving and he doesnt need the item. The cashiers check is fake and I sent {$1100.00} that I can not get back right now. So fraud has been committed against me. I reached out to Chase and because I paid over XXXX, they could not give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: NC
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:
I file a police report about a fraudulent account and Equifax and XXXX keep reporting the item belongs to me and it doesnt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: DISCOVER BANK
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX and DISCOVER BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: CA
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:
acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, did not modify or removed anything.

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how Equifax violated my rights. 

Never missed a payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried numerous times to contact Wells Fargo in ref to an illegal foreclosure. I lost my property XXXX XXXX XXXX XXXX XXXX XXXX XXXX in either XXXX or XXXX. They claimed I never paid my mortgage, lie number 1. Then they claimed my payments went into an escrow account, lie number 2. Then several attempts to apply for a modification which went nowhere. Since then it's my understanding a settlement has been reached and since I have had to move several times since then I still have not received any notice of settlement from from this institution. ( Wells Fargo ) can you help me? XXXX XXXX XXXXXXXX XXXX was their servicing company.

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 2023-01-23
Company: EQUIFAX, INC.
State: VT
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have never lived at these addresses as stated on my credit report. THIS report IS INACCURATE. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not updated the status of the account XXXX  XXXX : # XXXX and this report appears to be older than XXXX XXXX XXXX & should not be reflected on my report for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my second attempt. They said it was not even me who submitted the complaint. It has been well over 45 days and I have not yet had this issue resolved. At this point I feel like I am being played with. Can you please resolve this issue for me. I feel I am being taken advantage of and I don't like that. I did everything I was supposed too. How can They say it is not me and I did not even upload the documents the first time.

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