BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: CA
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:
Equifax had yet to correct my credit report. XXXX - XXXX # XXXX is mistakenly reporting a late payment in XX/XX/2022. This is a complete error and needs to be rectified right away. The account was paid off on XX/XX/2022. See proof from the XXXX company and letter from XXXX attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2014, XXXX, XXXX XXXX withdrew funding for my degree at XXXX XXXX University in my senior year, giving no reason other than their lack of belief that I would be able to pay the loans back. I was forced to drop out in my last semester, incurring high fees, and rendering my college transcript unable to be released. I was unable to make the initial payments, which were over {$1000.00} a month for a balance approximately {$38000.00}, and consulted several lawyers, who advised me to " save up money and settle '' and that " there was not hope for private loans ''. I was unadvised of any kind of income based repayment plan, and was simply told that Sallie Mae doesn't do that. I have spent several years searching for a job that provides more than subsistence, but due to my lack of a degree, and in a relatively high unemployment field ( Music ), I have accumulated a significant portion of debt. I am now being sued in 6 lawsuits by the company, but I have no accumulated assets, nor skills and have been homeless for the better part of the last 5 years. They have coerced my father into withdrawing his XXXX, and to taking assets they have no access to, and using them to pay the debts. My mother and father were cosigned onto the loans, and my mother has since passed on. I have no legal rights, and was not of legal age to begin sign for my own loans at the time that I started ( XXXX XXXX, at the time ). I was not given a chance to defend myself. Sallie Mae is a predatory loan company and needs to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Nationstar Mortgage , LLC is a debt collector. Nationstar Mortgage , LLC did not send any notice to my husband or to me regarding the alleged debt. Neither my husband nor I have ever received any communication from Nationstar Mortgage , LLC under the FDCPA section 809. We are disputing the debt in it 's entirety and require a copy of any judgement, as well as a verification of the debt, which would include the name, address and telephone of the original secured lender. My rights as a consumer have been violated and under the Gramm-Leach-Bliley Act, my privacy rights and information have been breached by Nationstar Mortgage , LLC.

Company response to consumer: Closed
Consumer complaint received 2023-01-11
Company: STATE BANK OF INDIA - NEW YORK BRANCH
State: IN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My wife and I invested money ( via certain Certificates of Deposit ) at the State Bank of India in XXXX, IL ( hereinafter the Bank ). Officials of the Bank have indicated in writing that they lost our money, and that they can not trace our funds. Please see the detailed facts below. I am also uploading documents substantiating these claims. 

My wife, while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the State Bank of India ( the Bank ) bought three certificates of deposit termed as XXXX  of varying denominations ( hereinafter referred to as CDs ). 

We submitted the original documents substantiating the CDs to the Bank as collateral for a loan we took from the Bank in XXXX. In XXXX, or thereabout, we paid off the loan in full using SOME of the funds in the CDs. There was a remaining balance of at least {$10000.00} ( plus interest accrued ) left in the CDs after we paid the loan off. Also in XXXX, we authorized XXXX officials of the Bank to reinvest the remaining balance in updated CDs of the same type ( XXXX XXXX XXXX  ) in XXXX. In XXXX, we learned that, without our permission, the remaining funds were transferred by the XXXX branch to an affiliated branch of the XXXX XXXX XXXX XXXX. 

Officials of the Bank in both XXXX and in XXXX are now stating that our funds are missing, and they are unable to trace our money. 

When I tried to follow up on the accounts in XXXX, the XXXX branch employees claimed that their policy compelled them to throw away documented proof of our accounts because the accounts are more than five years old. As a result, I had to travel to XXXX multiple times to follow up on the invested funds that we entrusted to the XXXX XXXX of the Bank, to no avail. 

As you are aware, these CDs are legally binding contracts. Per the terms of the contract, the Bank is obligated to keep our savings safe, reinvest them automatically, and to return it on demand. Unfortunately, so far, all our inquiries about our funds have fallen on deaf ears. This money is a big part of my retirement and healthcare savings. Simply put, the State Bank of India in XXXX has a legal as well as moral obligation to return our money with interest. We have exhausted all other avenues of communication, and we are now requesting your help to hold the Bank accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
We had our car repossessed on XX/XX/XXXX on XXXX. We paid the fee today XX/XX/XXXX, a total {$1300.00}. We then contacted XXXX XXXX XXXX to reclaim the car, a XXXX XXXX XXXX. We tried to file the paperwork online, but they would not allow us. They do not allow walk-in appointments. They have not given us the address. We called their number and were put on hold from XXXX until XXXX XXXX CST. Then the disconnected the call and would not allow us the call back. They did not notify the police when they repossessed the car, which is required by Missouri law. We reported car as stolen and could not file the insurance claim because of the repossession. The entire process has been unprofessional. They did not give us a final notice. The never left messages on our phones if/when they attempted to call.

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 2023-01-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Between XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA, XXXX Phone : XXXX ... ..My account was deliberately overdrafted on numerous occasions by processing large payments first and charging overdraft fee on multiple small purchases.

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 2021-07-11
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I walked into Old Navy in XXXX RI and was offered a store card from the Sr. Team Lead. She rang up my items and offered me 52 % off my entire order stating I would save roughly {$50.00}. I proceeded to ask questions about the credit cards interest rate in which she did not know. I agreed because the offer would save me quite a bit of money. After signing for the card she rang out my purchase. I asked her how much I saved in excitement of the deal. She did not respond with the savings total, but instead proceeded to tell me the items I saved on. After I got home I noticed that I had not received {$50.00} off my entire order, but only a select few items. This practice is misleading and to say the people responsible are unaware of what the card entails and how its promotional values work is extremely fraudulent. I have contacted both the store manager and the 800 number with no success in rectifying this situation. It scares me to think that someone with such little knowledge should be handling peoples credit. I am looking for a GM to reach out and handle this situation immediately.

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 2023-04-05
Company: EQUIFAX, INC.
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: 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. 

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, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 explanation
Consumer complaint received 2021-07-11
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2022-03-01
Company: EQUIFAX, INC.
State: NY
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:
I have sent dispute letters to Equifax, XXXX, and XXXX I have sent an follow up letter and I have not received an response from any of them and it has been past 30 days. This has caused an adverse effect on obtaining financing or obtaining a job. Please find attached letters sent to all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Nationstar Mortgage XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Loan # XXXX This complaint is against Nationstar Mortgage because I successfully modified my current mortgage and I am not accepting the terms due to atrocious numbers. Foreclosure has begun. 

Approved for HAMP Tier II Denied for HAMP Tier I I have been using the XXXX XXXX XXXX for advice : I went to my court appointed hearing and XXXX District Court Judge XXXX would not help me with forcing restructuring of numbers. 

My current loan is XXXX at 10.8 % interest for 30 years. 

Nationstar took over my mortgage from XXXX XXXX XXXX which took over from XXXX XXXX. 

The HAMP Tier II is for {$100000.00} 40 years at 3.75 % interest with balloon at end {$35000.00} My property value is {$40000.00} I live at property and maintain and upgrade constantly. 

It is my hope that we as AMERICAN CITIZENS do not allow these banks to bully us around. They are trying to take over our properties and therefore ultimately take over AMERICA. 

If possible I would like the State of XXXX and US Government to intervene on my behalf and structure a FAIR mortgage for me. 

This will prove to the banks who writes the laws and enforces them. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly Update all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed 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 explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance Owed : {$170.00} ; XXXX  XXXX Balance Owed : {$2800.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6600.00} ; CHILD SUPP XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX XXXX {$78.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/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 2023-07-13
Company: Experian Information Solutions Inc.
State: NY
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX. 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 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.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.

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 2022-08-27
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased a 'high-end ' technology bed from Mattress Firm in XXXX XXXX MN XXXX XX/XX/22. I was offered 60 month interest free financing through Synchrony Bank. The financing terms are not the issue. Synchrony Bank automatically signed me up to a 'Debt Cancellation Program ' that I was neither informed nor did I sign up for. I was notified by Synchrony Bank that I was enrolled in the program on XX/XX/22 via email. The program would pay off the remaining balance on my card in the event of death / disability etc. The interest rate was approximately 20 % of the unpaid balance. My complaint is that Synchrony is violating the law or at a minimum is engaged in unethical business practices by enrolling me in a program without my prior consent. I have since had two phone conversations with Synchrony Customer Service. In the first call, the service agent confirmed that I was enrolled. She graciously honored my request to cancel my Debt Cancellation Agreement. This occurred on XX/XX/22. I also asked for written correspondence confirming my request. It is now XX/XX/22 and yet to receive written verification. I then called by on XX/XX/22. The Customer Service Rep confirmed that my Agreement was cancelled -- then would follow-up to get me written confirmation

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