BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out a loan with XXXX XXXX, since then they have made it impossible to be able to afford the payments. My XXXX year old Grandmother who is XXXX on a fixed income co-signed for the loan. I have been asking for a payment that I can afford since the start of the loan because they make it unaffordable for both me and my grandmother to afford. I have asked them to stop calling her house because of the amount of stress that she is under after having a XXXX she can not take the harassment. I have tried to afford the payments but my job does not pay me enough and right now they are asking for 60 % of my check which leave me with a limited amount for rent, food gas car payment etc. They pretend to help but every time you call they tell you something different. They are purposely putting me in a position that is in place for me to continue to fall behind. I have asked them over and over for a lower payment and they keep giving me ones that I cant afford. I feel like I have no choice to except them because they are saying that its the only option. In the meantime they continue to tack on fees and try to get me to defer my loan which also tacks on fees. I would like them to take my grandmother off as a cosigner because I'm afraid that the stress will cause her to have another XXXX. the phone calls and letters are endless. I have told them that I need affordable payments over and over to no avail. They, set you up to fail by giving your 3 separate which makes it easy for them to give you payments that they know you cant afford. I would like to have one loan instead of 3. This is pure predatory lending on there part. I want to pay off my debt but I find it impossible because the more I pay the more fees that tack on because I can't keep up with the payments because I barely make enough to survive. I have a loan with the Federal government loan that I am trying to pay as well but, the fact that XXXX XXXX continues to try to take advantage of me is making it harder to survive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
Hello, In XX/XX/XXXX, I went to XXXX XXXX to get a printer. The representative informed me that I was unable to use my store card. They advised me to open a new account in order to be able to buy the printer when I questioned why, saying that it doesn't show them why. I actually did it. I just started considering purchasing my son 's duplex, and when I checked my credit report, I discovered a XXXX XXXX late payment from XX/XX/XXXX. I had XXXX open accounts with XXXX XXXX, and they informed me of this when I spoke with their cardmember services. The older account had a late payment on it that was over XXXX  days old. I also explained what had transpired when I entered the business, and they promised to file a complaint. On XX/XX/XXXX, I received a letter stating that they had determined the information on my credit report to be accurate. They didn't try to assist me in any way. By providing misleading information to the credit bureaus, XXXX XXXX has violated the Fair Credit Reporting Act, and now the XXXX XXXX XXXX have broken the law by providing inaccurate information on my credit report. I have no other option at this time except to file a complaint because my livelihood is currently being threatened by this issue.

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 2021-11-11
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've been getting in touch with XXXX and Equifax by phone and letters about the wrong address that is showing on my credit report several times since XX/XX/2021 I sent out several letters to XXXX and Equifax with a copy of my SS # and driver 's license with the correct address so it would be easier for them to remove the wrong addresses that appear on my credit report. 
When I contacted XXXX by mail starting in XXXX XXXX XX/XX/2021, I never received a letter in return explaining or verifying the wrong address on my report. 
I then started to call XXXX to dispute the address and the employee insured me that they would fix the problem and now we are in XXXX and the wrong address is still appearing on my credit report. 
I would really appreciate if we could get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Westcreek Financial
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Last fall, I moved to a new house and didn't have my own mattress. I was looking for a cheap mattress and I found out that XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, Iowa sell a mattress at low prices. I saw the Adversite and it said they sell queen mattresses starting at {$150.00}. I thought that was cheap. On XX/XX/XXXX, I decided to see the mattress in the store. They didn't have a mattress with the brand that I wanted which is called XXXX. I was kind of pressured to buy a queen mattress there so I bought one that cost me {$900.00} and I decided to pay through installment loan until XX/XX/2023. That date is the early purchase option deadline. I had to pay off {$900.00} by XX/XX/2023, or I'll have to pay double. 

I tried to pay it off before XX/XX/2023. I paid the full amount left off before the deadline. But somehow, this situation messed it up. Between around that time, I paid it off. I got the email that someone tried to use my card at XXXX which isn't in my town so I knew it wasn't me. So I called the bank about it and they suggested I get a new card number. So I did. Somehow, once they canceled my card and ordered a new card. It automatically canceled the payment I paid for the mattress loan. 

I didn't think about it until later. I checked the loan they said I still owe them money and they continue to take my money off from my balance. I was very stressed at that time because I didn't have enough money to keep paying for it and I couldn't ask anyone to help me pay for it. Because I also pay for my own car monthly. My car monthly was around {$500.00} a month. 
So I called the loan company which is Koafafi. They were pretty rude and I was upset, I tried my best to explain my situation. They said they couldn't do anything about it. They said it was my fault that it was canceled and I didn't change my card information. They told me I didn't pay on time, but I did. They said I still need to pay them the rest amount. I told them I couldn't afford that time and I was struggling mentally and financially. 

A few months ago and this month, I called the XXXXXXXX XXXX XXXXXXXX customer service about it and they said they need my information like Full name, phone number, city and state, and email address and they will call me back soon. I tried and called them twice and they never call me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
dear transunion, these inquries are fraudulent please delete.

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 2022-12-05
Company: DISCOVER BANK
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, This started in 2021, when I finally checked my credit for the first time after noticing old bills in my name in my mothers home. She XXXX XXXX and we were cleaning out her home. I saw that it was a charge off and I been trying to dispute it ever since. At first, Discover didnt tell me I had to create the identity theft report or anything, they only told me that itll be on my credit for 7 years. I was confused because it didnt make sense. The worker did not care and was rude. XXXX XXXX XXXX military stationed in XXXX XXXX for the last two years. This past year I sent my information with EVERYTHING, FOUR times. Due to my work hours and the time difference I try my best to contact everyone and get names of people but Im always led wrong number after another. I even sent all of the required information by mail to XXXX AND Discover. XXXX is telling me that I probably need a police report as well as the XXXX XXXX XXXX paper but how can I make a police report on a person that has been dead for a year? I called them time and time again. Discover is still saying that my information is correct. Im thinking, of course its correct because my mother is the one that took a credit card out in my name! Not me! Ive talked to XXXX and XXXX and they were nice and explain to me to keep disputing it. This is absolutely ridiculous. Ive also attached my mothers death certificate because it feels like no one is listening to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DEAR OMBUDSMAN DEPARTMENT MANAGER : YOU HAVE PUT ME AND MY FAMILY IN HARMSWAY BY CHARGING ME LAST 11 YEARS FAKE HOMEOWNER INSURANCE FEES AMOUNT {$16000.00} + {$130.00} ESCROW FEES. MY PENTHOUSE CONDO ASSOCIATION OFFICE HAVE EMAILED PROPERTY INSURANCE PROOF TIMELY TO YOU LAST 11 YEARS. 

ALSO, NEW CONSTRUCTION CERTIFIED CONDO BUILDINGS BASED ON XXXX REAL ESTATE LAW PREWIRED WITH CARBON MONOXIDE DETECTOR AND PREWIRED SPRINKLER SYSTEM DOES NOT REQUIRE FIRE INSURANCE POLICY. PLEASE, REFUND MYESCROW SURPLUS OF {$6000.00} + {$40.00} PROP. INSPECTION FEES. MY ESCROW SURPLUS INCLUDES {$2.00} ESCROW ADVANCE FEES REFLECTED ON MY RECENT REINSTATEMENT LETTER DATED XXXX XXXX XXXX  XXXX FILE # XXXX. PRIOR TO MY WIRE OF ABOUT {$50000.00} TO BRING MY ACCOUNT FULLY CURRENT. 

STILL, MY PROPERTY IS XXXX EXEMPT SINCE XXXX  BY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, PHONE XXXX. 
SEND MY REFUND TO MY MAILING ADDRESSD RESPECTFULLY, XXXX XXXX XXXX XXXX XXXX XXXX WITH HONORS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX and I am a victim of sim swap. On XX/XX/XXXX, I started getting tons of spam text. My internet was cut off 15 minutes later. Calls, texts couldn't be made or received, neither the GPS was working. I went to the XXXX store in XXXX, NY. My phone was operating after the XXXX store switched my sim card. I went to XXXX XXXX and XXXX XXXX XXXX, NY. My debit card got declined. I attempted to check my bank account in XXXX XXXX, but was not successful. I got to my car, I clicked on the forgot password on the Chase application, put the same password and got in. The amounts of {$5000.00} and {$26000.00} were unauthorized moved from one account to another. Then I had three unauthorized purchases done at two different XXXX stores in the city. The purchases were made of {$8700.00}, {$15000.00} and {$7200.00}. I never got a call to verify these transactions. I called Chase to put in the claim. I got only 1 claim number for the purchase. I did a Police report. On the XXXX, I faxed the Police report number. I called on the XXXX, my claim was denied because according to Chase the purchases were authorized. They refused to email me a denial letter. On the XXXX, I faxed the police report. On the XXXX, my claim was closed again after confirming that they had the report. The claim got reopened and I got 2 claim numbers, for unauthorized transfers and the three unauthorized purchases. An XXXX XXXX had changed my password on XX/XX/XXXX and I own an XXXX XXXX. Chase saw my phone couldn't log in to the application on XX/XX/XXXX. On the XXXX, I got credit for the unauthorized purchase and XX/XX/XXXX, the XXXX Department removed the money that was credit. On the XXXX, my case was denied because until this day I still have the debit card. On the XXXX, I filled out an Executive Complaint. On XX/XX/XXXX, I got a call from the Executive complaint. I was told that they will look into my case, but they did not think the claim was going to get approved. The complaint was denied on XX/XX/XXXX. The Executive Complaint Department refuses to provide me the information that shows that my debit card was declined in XXXX XXXX and XXXX in XXXX, NY on XX/XX/XXXX. On XX/XX/XXXX, I faxed a picture of an open email that was found asking to verify the first transaction under my All Mails. Those emails were not found under Inbox or Deleted emails. On XX/XX/XXXX, I went to the branch where I filed the Executive Complaint, I was told that there was nothing else they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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, Account # XXXX. Account name : XXXX XXXX, Account # XXXX. Account name : XXXX - XXXX XXXX, Account # XXXX, has 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Why the XXXX is it taking you weeks to remove the fraud alert/freeze you have on my account?! 

REMOVE THE FRAUD FREEZE/ALERT FROM MY CREDIT FILE. Why am I constantly repeating the same thing in these reports for over a month, over a year, over 3 years? REMOVE THE FRAUD ALERT FROM MY ACCOUNT YOU ARE EFFECTING MY CREDIT IN REAL LIFE WHEN MY SCORE IS OVER XXXX. 

I AM TIRED OF SUBMITTING THE SAME XXXX REPORT EVERY WEEK I AM DISGUSTED YOU HAD THE AUDACITY TO KICK ME OUT OF MY ACCOUNT AFTER BEING REPORTED TO CFPB. I HAVE ONLY HAD A FREE ACCOUNT & WILL NOT BE PAYING FOR AN UPGRADE I DID NOT ASK FOR & WASNT NOTIFIED OF. ITS GIVING THEFT, you still have to do your XXXX job SUBSCRIPTION or not ; and I am documenting this for a class action lawsuit.

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 2022-10-27
Company: EQUIFAX, INC.
State: IL
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has 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 XXXX 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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 

The letters are stated with items and issues. 

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 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 2018-05-21
Company: Commercial Recovery Systems
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My husband and I were contacted today by a company called " CRS '' from a Texas phone restricted number ... .we were told this was regarding a lawsuit and that they could not release any information unless we call this number XXXX and this was our file number it was in reference to ( I have this number if needed ). I called and the company was referred to as " CRS '' I spoke with a woman named " XXXX XXXX '' who said her direct line was XXXX. She said this was for an over drafted bank account balance for my husband with a bank from XX/XX/XXXX-XX/XX/XXXX and did I know anything about that, I said he has no bank account there. She confirmed his SSN and his DOB ( she had them already ) She stated well you don't know everything about everyone, I said I know his credit and this is not a legitimate dispute. She said well if he or his attorney does not contact us today regarding this matter that they will pursue legal action and garnish his wages to collect on the original balance of {$1200.00} plus legal fees the total would be {$4500.00}. I gave her my gmail and asked that she email all of these details for me to review with him as he was in a class today and could not be reached. She said she would. I have not received any such email from them. We were very upset by this. My husband did settle a closed account with bank back in XX/XX/XXXX but how would they even get this info now, this was also a paid balance? I did not explain any of this to her at that moment.

Company response to consumer: Untimely response