BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This loan was taken out in   XXXX  . I have called Department of Education and submitted documents letting them know that this is fraud and I never took out a student loan or attended this school. Every year they tell me they are investigating this matter and no results. They are garnishing my wages and have taken my tax return and still have n't given me any results or showed me any paperwork from this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: T.S. Holdings
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted via mail by IQ Data in late XXXX about damages owed from an apartment I occupied from XX/XX/XXXX until XX/XX/XXXX. Upon my move out, I had extensive conversations with the leasing office regarding damages caused from multiple water leaks and ignored maintenance requests during my tenancy. I was assured that the apartment was due a complete renovation due to age, ie a 30 yr old refrigerator, and no upgrades in the same time period. I was due a refund of my original {$1500.00} security deposit. A month after I left, new management sent conflicting statements and I got a very unexpected letter from IQ data. I contacted them via certified letter and asked for a debt validation. I also contacted XXXX XXXX XXXX and was assured that it was all a misunderstanding and would be quickly remedied. I even got multiple emails inviting me back to lease from them. I never heard back from either of them regarding any supposed debt until IQ data contacted me via phone several months ago. I again requested validation and the person I spoke to apologized for the call and said that the debt could not be validated. Today I got another call. My phone number has never changed and I always answer all calls. The first agent was polite and followed all protocols. I stated that I preferred to handle things by mail and asked for the address. We were disconnected. I called back and a second agent refused to give me the company address and instead mocked me, yelled at me, berated me, and hung up on me. I called back yet again and got the first agent who apologized for the treatment I received and he urged me to accept a settlement immediately or have my credit ruined. I explained again that I preferred to correspond by mail so that I might send documentation proving this debt invalid. He tried to get me to post date my payment for this invalid debt and continued to threaten damage to my credit. I explained that Im XXXX and terminal and that I have XXXX XXXX  sons ( XXXX & XXXX ) and a XXXX XXXX XXXX daughter. I again asked for the address to correspond. He urged me to accept a settlement because a lawyer would cost more than just paying an invalid debt. He said I should pay in protest and when I prove the debt invalid then IQ Data would refund me. I again asked for the address which he finally provided to me, after issuing a warning that everything is off the table and I would surely have my credit ruined with my decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Finance of America Holdings LLC
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early XX/XX/2020, I contacted XXXX XXXX of XXXX to ask about a reverse mortgage. He informed me that he could not help as the current mortgage was too high. He referred me to XXXX XXXX XXXX XXXX  XXXX XXXX ( not XXXX XXXX XXXX ), with whom he was previously associated. XXXX XXXX stated he could help me and the application process began for a reverse mortgage with Finance of America Reverse ( FAR ). 
The property is currently owned by XXXX XXXX, my daughter with whom I reside, XXXX XXXX, my grandson and nephew of XXXX, and myself. XXXX and XXXX were prepared to gift the property to me, so that I could apply for a reverse mortgage. The mortgage is only in the name of XXXX XXXX. There was a 36 % equity in the property and I had funds to bring to closing for any shortfall in the equity requirement, which was over 37 %. 
I signed the application on XX/XX/2020. All requirements for documentation, income verification, credit report, bank accounts, etc. were supplied as requested. There was a delay in the appraisal of the property due to FAR 's tardiness. The appraisal was received at the end of XXXX for {$600000.00}, the amount stated on the application. FAR asked for a second appraisal, which also stated the amount as on the application. 
After continuous requests for further information and documentation, all of which was supplied, I was old by XXXX XXXX in XXXX that I had been approved but a few more items were required. These were supplied. 
I then heard nothing from XXXX XXXX and he would not respond to voice mails or emails so in XXXX I tried to contact FAR. I called the telephone number on the contract to get voice mail. I went on line and sent a message on the FAR site. I signed up on a XXXX advertising Campaign. I tried every telephone number that I could find and received no responses to emails or voice mails and no one could help me. 
Intermittently, XXXX XXXX would call and say it is going to happen but the underwriters just need more or updated information. There have been 4 requests for us to get payoff amounts from XXXX to XXXX. The last communication with XXXX XXXX was on XX/XX/XXXX, when he was supposed to find out about errors on an estimated settlement statement. There is a loan # XXXX on this statement as attached. Since then I have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: SLM CORPORATION
State: FL
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:
On XX/XX/XXXX  my 2 private student loans through Sallie Mae lost the reduced payment plan option and the cost went up to over {$600.00} a month which is something that I could not afford. In the past, when I received the option for a lowered rate ( 2 years at a time ), I was told to allow the loan to go one payment past due. 15 days after the loan was past due ( XX/XX/XXXX ), I called into Sallie Mae trying my hardest to get to a supervisor or manager who would give me new payment options so that I can continue repaying my loan directly with the company. They persistently told me no options are available to you. I asked for an explanation on why there were suddenly no options available to me, aside from paying the insane amount that they are asking for each month and I received no answer. I was told that I needed to make a years worth of payments at the current rate, but how could I do that if Ive been explaining that I cant afford that amount. I have been trying to pay something and every time I received a reduced rate, my payment was consistently made on time. However, now they arent willing to work with me at all.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX ; XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$50.00} 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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion has violated federal law on XX/XX/XXXX I sent in a dispute letter for inaccurate accounts showing on my credit report I received a response on XX/XX/XXXX. The date on the letter says XX/XX/XXXX that date is questionable. More important than the questionable date I demanded under the Fair Credit Reporting Act for proof that these accounts are accurate which I received no proof of. This account still to this day does not state that the account has been disputed. U.S.C 1681 s-2 clearly states that creditors have the duty to provide notice of dispute which Transunion has not. These inaccurate accounts have caused me stress. I will add evidence in this complaint of this inconsistent false reporting account. I have been keeping track of all communication I will also attach a certified letter that I sent in response to Transunion automated letter. In this letter, I go into detail about some of the federal laws Transunion has violated. As well as addressing their negligence to address unauthorized inquiries and verify XXXX XXXX account. I hope I will not be forced to take legal action but I am prepared to. I would like to add I do not consent to e-Oscar or any means of automated verification I am a consumer with rights I demand to be treated with respect.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted this complaint to update this suspicious information. XXXX and TransUnion Credit Bureau must validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX Balance {$64000.00} ; XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$8600.00}.

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 2021-08-31
Company: TRUIST FINANCIAL CORPORATION
State: WA
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:
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;

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 2023-10-18
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-06-13
Company: ENCORE CAPITAL GROUP INC.
State: NV
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 am unaware of this debt, someone has been using my name to obtain credit and I'd like this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Frontline Asset Strategies, LLC
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:
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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Frontline Asset Strategi, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 1681 c. ( 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. Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: RSH & Associates, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RSH & Associates and I had an agreement to take out {$53.00} out of account every other week for my debt for 10 months, this went fine for 1 month and then they took the amount out back to back weeks and my husband called them on this and they refunded the money, and then he left a message which mentioned that they had broke the terms of the verbal agreement and that they would no further take any money until further discussion was made. Monday morning XX/XX/2018 we received a phone call about XXXX and my husband began to speak and ask who was calling and the individual did not give who he was or who he was from as is required by law until my husband asked and then he gave the info who he was and who he was from. My husband asked : why they had broke the terms of the verbal agreement and why they had not sent something as the law requires, and XXXX got extremely XXXX and said : " what law is that, what law is that XXXX. XXXX '' ... .to which my husband replied : a written notice of debts, XXXX said : we sent one in XXXX, my husband replied : we never received it, to which XXXX said : we have confirmation that you received it, my husband : well unless you sent someone out and put it in our mailbox you don't have confirmation, mail get 's lost and it was never received here, XXXX said : well you're local so were sure you received it. The conversation went on about it ever being received and then went to XXXX saying : well the payments have been cancelled per your husbands request and there is a balance due of {$970.00} and we want payment in full or we will turn this over to credit bureau and to the owner of the debt, he stated this twice while my husband tried to explain to him that we would like to keep the payment arrangements but want to make sure that when the verbal agreement is made that they do not continue to take it out when it shouldn't be to which XXXX said : we will sure try not to, my husband then ended talking with him when he said to XXXX : the one thing I have not heard this whole time is an apology for breaking the verbal agreement to which XXXX said : on behalf of rsh I would like to apologize. I XXXX then took over and wanted to make sure that we could continue to make payments and XXXX wanted to know why it would take 10 months to complete amnd wanted to know where I and my husband worked, my husband refused to tell him and he XXXX began to raise his voice as he had many times throughout the conversation and told my husband well we need to know why it's going to take so long, I XXXX took back over and made payments arrangements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-06-13
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XXXX of 2020 I received a government stimulus check to my Robinhood account. Robinhood then froze my account and kept the money stating that they thought the activity was fraudulent. They have refused to return my money or prove to me why they thought the deposit was fraudulent. I am at my wit 's end with these people I have talked to them several times on the phone and through email and they say that there is nothing they can do and they will not close my account or return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Did a Refinance. New loan paid off a Wells Fargo mortgage. The title company collected an extra $ XXXX-odd from us at closing over the actual existing loan balance. They forwarded it to Wells Fargo. Wells Fargo posted the payoff on XX/XX/21, but back dated to XX/XX/21 as it should have been. Today XX/XX/21, they advise it may take up to 30 days for them to return the extra, unneeded, $ XXXX payment to us. This is an unacceptably long time to make a refund when they know the amount today. There are no documents to review, just a check and their own records, which of course are all computerized. If the consumer pays a mortgage payment late, there is a significant penalty. 

Does the CFPB have the authority to direct Wells Fargo to make an immediate disbursement to me? And can it set a rule that payoff overages must be disbursed within 4 business days, please?

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 2023-08-30
Company: Experian Information Solutions Inc.
State: KS
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX 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

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