BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: SLM CORPORATION
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Between XXXX and XXXX I needed loans for two private schools I had attended. Sallie Mae offered me loans, telling me they had plenty of deferment and repayment options. A few years went by in which I was in school. Little did I know that while I was in school interest continued to accrue the entire time. I was worried about passing my classes and didnt have any mail or logins to access that information. For the past few years ( XXXX ) have repeatedly asked for income driven repayment or to pause payment for being unemployed or other reasons for a month or two. Every time I am told that forbearance is the only option possible. I pay the minimum and my loans go up or stay the same because of interest. On my credit report, sallie Mae has reported that they are current but 0 % paid off even though Ive been paying them almost {$1000.00} per month for many months. I was laid off in early XX/XX/XXXX and have struggled to make the payments for the last few months, pulling from my life savings. I just asked for the umpteenth time on XX/XX/XXXX if I could either do income driven repayment, if I could push this months loan payment to the end of the loan, or literally any option so that it doesnt hit my credit. I was told multiple times that forbearance is the ONLY option. This is in a written chat transcript I have. My loan payment is due on the XXXX of the month, and I can not pay it and have a place to live. This is greatly affecting my credit as well as my quality of life since I cant afford the loan payments and rent and everything else. Im making decent money and barely scraping by. 
Sallie Mae literally just says forbearance or I will get constant daily harassing phone calls until I pay. My co-signers have also had their credit affected and get the same calls constantly. Ive asked about removing my co-signers as well since I had been able to make about a dozen on time payments. They told me I could not do that, it wasnt an option. This has caused a lot of tension and problems between me and my co-signers.it has hit my credit a few times as well a few years ago which dropped my score drastically. Please let me know what I can do and where to go from here. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax has violated the law! Here is the law that has been violated and the accounts that are associated to the multiple violations. 

15USC 1681 2 ( i ), I am a consumer and this agency can not put this on my report.

15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report.

Definition of consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Equifax is a cooperation? This is against the law for Equifax to report late payments on my consumer report. Please remove this information. 

Here are the accounts as proof Equifax has violated this law : 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 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 XXXXXXXX Equifax has been made aware that they are violating this 1970 Fair Credit Reporting Act law XXXX and just sent me a new copy of my creit report where they are still violating this law.

Until this Federal Law Changes, Equifax is expected to fully comply with ALL 1970 Fair Credit Reporting Act Laws and not pick and choose witch laws to follow. The law is in black and white and must be upheld. Equifax is NOT above the LAW!

I will providing proof Equifax has been made aware of thesse violations numerous times and still continuing to violate the law by my proof in the recent credit report Equifax sent me.

I have more than enough evidence to show Equifax is still violating this 1970 Fair Credit Reporting Act Law. I demand that Equifax follow all the 1970 Fair Credit Reporting Act Laws and STOP picking and choosing what laws they will follow. This law is in black and white and ABSOLUTE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XX/XX/XXXX I have been reaching out to equifax customer representatives to report an unauthorized hard pull inquiries made in my account on the XXXX of XX/XX/XXXX by different creditors. 

I have spoken to more than 10 of equifax representatives with all giving different information and some being rude or hanging up on me. 

I have mailed the documents they have requested to take this hard inquiries out of my account 3times yet they say they dont get it or their fraud department didnt provide it to them.

Each time I mail this documents through USPS I track it and it shows delivered with it containing my personal informations yet each representative says they cant find it on their system but they can see the dates the documents are delivered they just cant see the informations.

They say they cant see my FTC report or letter of request or SSN card so I decided to keep mailing it over and over again. 

I sent these same documents to XXXX and immediately, I got a mail that those inquiries has been deleted from my report. 

I sent these same documents to XXXX and XXXX said I have to call each creditors myself to ask them to remove the inquires from my report as they cant do it for me. Imagine me calling over 6 creditors myself to ask them to do what XXXX did without stressing me out. 

I am very unhappy about all these and its been causing me stress and affecting my mental health. Each time I call these credit bureau I feel worst and terrible about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Trident Asset Management, L.L.C.
State: OH
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:
Account being reported as a collection account and also a charge off and reporting differently on all 3 bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/2020 mailed a letter to Experian requesting an investigation of an inaccurately reported information on my credit report. The account is " XXXX XXXX XXXX '' and this account shows many discrepancies, one that I pointed out was the payment history and past due balances. 

XX/XX/2020, I received an updated report showing that Experian investigated the discrepancies. However, there were no changes and nothing was fixed or deleted. Which means, this account is still reporting illegally under the Fair Credit Reporting Act.

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 2023-09-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sent me an account for {$62.00} dollars to the company Southwest Credit SYS for collection. My credit history is being affected. I have no service and I did not have service with XXXX. I contacted them twice informing them that the account did not belong to me and that I would not pay for something that I do not use. I have struggled with this situation for over 1 year. They are violating my rights to good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loan is currently in an education deferment with  Navient,  formerly known as  XXXX   XXXX . I initially took the loan out   XXXX   for an amount of {$22000.00} and there is currently a balance of {$13000.00} on the account. The loan is an education deferment as I have just completed my  XXXX   XXXX   XXXX  in   XXXX   XXXX   at the University   XXXX   XXXX   and am continuing on to complete my   XXXX  . in   XXXX   at the University   XXXX   XXXX  . My issue is with my creeping interest rate. Currently, the interest rate on this loan is at 9 % after Navient, again, has increased the rate. They have increased the rate steadily every few months recently, outpacing the  LIBOR r ate, which they claim to use as their baseline when I called to inquire about this. I called  Navient o n   XXXX   XXXX   XXXX   and was told my interest rate was variable, based off of the  LIBOR rate and my credit score. When I pointed out that my credit score has increased greatly since the loan was taken out, I was informed they only look at my credit score from the day I  took out the loan. Given this, the variable interest rates marginal variation should only be based on th e LIBOR rate, w hich is still positive, but marginally decreasing, meaning it is moving in the opposite direction of my loan interest rate. I have had previous issues with Navient/  XXXX   XXXX   when they advertised special repayment benefits for military members. I served  XXXX  years  XXXX   XXXX  in the  XXXX   XXXX . When I called to inquire about these benefits, I was told that my service did not count as  XXXX   XXXX  and I was not entitled to these benefits and that soldiers are only  XXXX   XXXX  when they are overseas, otherwise, they are part of the reserve. As a  XXXX  veteran, I gave some of the best years of my life to serve in whatever capacity my country needed me to and it is very frustrating that, as I am trying to use my benefits to further my education, I am being told that this company can arbitrarily increase my interest rate with no limits. When asked why I did not receive notification of my interest rate hike, I was told that because I am currently in school, they  may no t let me know when my interest rates are changing. The representative went on to read the interest rate increases that have occurred recently without my knowledge as if it was a justification for the current hike. I understand how the  LIBOR work s, but no other lender is trying to extort me this harshly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: NY
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} EQUIFAX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}XX/XX/XXXX5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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'm really sad that they are displaying on my credit record because this account is not mine. Please delete it. Since this account does not belong to me and never will, I want the company to delete it. Please assist me in getting this off of my credit record as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: IL
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:
In accordance with federal credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 in addition to a violation of my privacy reporting without my written instructions violate my rights under 15 usc 1681 section 602, 15 usc 1681 section 604, 15 usc 1681 c a 5 and 1681s-2a1 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 Delete these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspect items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX {$66.00} XXXX XXXX XXXX   XXXX {$690.00} XXXX  XXXX  XXXX {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was banking with Simple bank who is now bought out by BBVA. I have not been unable to access my money for two days. I reached out to BBVA multiple times but they refuse to help me access my account. This process was suppose to be a smooth transaction but it is not. I have been without food or gas etc for the last two days. I dont have access to any of my accounts nor does the debit card work

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been in REPAYE ( or something similar for years ). The last two years, Great Lakes Borrowing service has failed to re-enroll me timely in those programs. This despite me providing all necessary information ahead of any deadline ( this year, it waXXXX XXXX XXXX 2017 ).
This year, on or about XXXX XXXX, 2017, I provided my wife 's changed income as well as notice that she would no longer be employed in XX/XX/XXXX. I did this in order to complete my renewal request. At the request of Great lakes, on or around XXXX XXXX, 2017, I provided more documentation to support my income. They confirmed receipt of this documentation, which I also uploaded to their website. Despite my timely application and submission of documentation as requested, Great Lakes is now telling me over 2600 per month is due ; well beyond what should be due under the REPAYE program ( and significantly higher than the 400 or so dollars i was required to pay last year, when making MORE money. Again, my wife is no longer working AND we are also expecting a child / another dependent ). Great Lakes has caused anxiety and distress due to their poor handling of my debt and debt issue. I would like any and all information regarding recourse available please. May i file suit through the CFPB? NOTE 1 : having to put my loans in forbearance costs me money. and I believe I also lose the forbearance option after so much time. Concerning, if I really needed it.
NOTE 2 : Last year, on or around XX/XX/XXXXor XX/XX/XXXX 2017, the same issue occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: LHR Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
LHR Inc, was supposed to take this off of my account, they removed it from XXXX but never took it off of XXXX. I am not sure why this is not taken off because this was the amount that was supposed to be adjusted after I made the settlement payment. I have tried calling LHR but I do n't have an active phone number for them and the one that is listed if for something else.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$530.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
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:
The following accounts and inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of a consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. Accounts : XXXX XXXX, XXXX XXXX XXXX, {$600.00} XXXX XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$590.00} XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022 and XXXX XXXX XXXX Inquiry Date XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Mercedes Benz Financial Services
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: Credit inquiries on your report that you don't recognize

Complaint:
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 has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY

Company response to consumer: Closed with explanation