BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: SLM CORPORATION
State: NY
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:
my Sallie mae loan has now gone into forbearance for my co sign and not myself. when i first got out of college I struggled bad to pay my student loan but now I am willing to pay but the loan company that took over the Loan XXXX XXXX XXXX XXXX XXXX XXXX ) does not answer my calls or emails I have been trying to set up payments but they have now taken funds out of my cosigners check. Please help me in regards to this loan because my co signer is now unemployed and they were taking funds out of her final paid leave checks

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/XXXX, I submitted a complaint against the above-mentioned furnisher of this account and the credit bureaus for reporting inaccurate information as it relates to this account. On XX/XX/XXXX of XXXX, I received the companys response. The company stated that an investigation was completed, and everything was verified as accurate in my credit file. 

Furthermore, I purchased my credit report for XX/XX/XXXX, and recognized that XXXX XXXX and the credit bureaus continue to report discrepancies, after alleging to have conducted a thorough investigation of this account. There are different dates that the account opened : XX/XX/XXXX and XX/XX/XXXX. My credit report reflects that my monthly payments were {$0.00}. The dates that the account was last active are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The comments on my credit report reflect repossession and involuntary repossession. Also, my credit report reflects two different dates that the account last reported : XX/XX/XXXX and XX/XX/XXXX. 

Under the FCRA, this violates 15 U.S. Code 1681, in which I may be able to receive up to {$1000.00} for punitive damages for each violation. 

Overall, I am requesting that your corporation remove this account, or I will pursue civil litigation for damages and deceptive practices.

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 2021-11-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
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: Account information incorrect

Complaint:
I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Transunion is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.

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 2024-01-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
They said it was their policy to charge for non-WF ATM access to my account. I told them I disagreed with the propriety of this as it amount to a penalty for using another provider service as I had already paid a network fee. I said Do Not dispute the Non-WF provider 's right to make a charge for use of their network and ATM services. I felt that their policy was to discourage my obtainingservices from a competitor - especially as I already pay for their services in a monthly service charge on the account ( or if waived by minimum balance then they are using my money AND charging me an additional service fee for the Non-WF access. 

Further I sated I only use non-WF services when there are no WF ATM 's handy to my point of service. The is a machine nearby but it is 1 ) frequently out of cash or 2 ) is is ( also frequently ) out-of service for other non-explained reasons. 

They refunded the last 3 {$2.00} NWF service changes for " customer relations '' but I told them that this would not deter me from filing a complaint with the appropriate gov agency for an unfair ( and probably illegal charge under anti-trust or anti-. 
competitive practices Summary of occurances : 1. XXXX XX/XX/XXXX {$20.00} ATM withdrawl, {$3.00} Network fee {$2.00} WF NWFATM charge ( NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX ATM ID XXXX CARD XXXX ) XXXX. XX/XX/XXXX {$40.00} ATM withdrawl {$3.00} Network fee {$2.00} WF NWFATM charge ( NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ATM ID XXXX CARD XXXX ) XXXX. XX/XX/XXXX ATM withdrawl {$3.00} Network fee {$2.00} WF NWFATM charge ( NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ATM ID XXXX CARD XXXX ) I always give very critical consideration to each use instance of third party ATMs etc, as the Network fees are already rather high ( punatively so ) but I believe they have a right to remuneration for their network use. However I have not noticed WF is charging for the same service which I already payfor in my service expectations for WF. I am told this has been their policy for some time- my bad! However this would also qualify as " small print deception '' and rather despicable business practice ( in my opinion ). 

Looking back I find multiple charges as far as I can easily go. They have made significant income off me and obviously others and this windfall needs to be stopped. 
Crying 'caviat emptor ' does not let business off the hook for knowingly deceiving and taking unfair advantage of us all.

DAY

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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft. There are fraudulent inquiries, personal information and account information that does not belong to me. Please see attachments.

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 2024-01-07
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Due to XXXX I was laid off from my previous employer. I asked my Mortgage lender ( Freedom Mortgage ) what I could do while I look for a new job. They advised entering a XXXX  plan and ensured me it was the best option for me. Once I found gainful employment again I was ready to come off of XXXX. This loan modification process took them well over 6 to 8 months. I was never explained that entering this XXXX  would change my interest rate. After underwriting took their sweet time while interest rates were rising they finally got back to me about a loan modification bring my rate from a XXXX to currently a XXXX. Also it is a XXXX mortgage and I applied for a Partial Claim and they never followed through with the partial claim only a loan modification. My mortgage went up almost {$1500.00} a month because of there negligence and Id wish nothing more than to have this reversed and have a new lender. Please help. 

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 2023-08-21
Company: Nelnet, Inc.
State: CA
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:
THE US Department of Education and XXXX XXXX violated " Privacy Act of 1974 '', and " Family Educational Rights and Privacy Act '' rights according laws and statutes in regards to the PRIVACY of my student education records. 


Per the Family Educational Rights and Privacy Act ( FERPA ), no unauthorized third-parties should have any supposed educational record and report them to data furnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

20 U.S.C. 1232g As a consumer I was never given noticed or authorized the transmission of personal identifiable information -- -- - In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation. 


That means an original contract or similar proof, not just a printout of the payments that were made. Provide all DOCUMENTARY EVIDENCE from the public and private side according to GAAP that this is a valid and verifiable debt you are reporting and claiming the accused debtor, myself, owes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16
Company: Support Collectors, Inc.
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Summit XXXX XXXX called more than XXXX  times about a check in XXXX XXXX that I never had, I've told them over and over that this isn't my debt. They stated that they were a legal firm with my case ( debt ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: GVA Holdings, LLC
State: TN
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:
I had borrowed {$650.00} in XXXX of 2023. A payment arrangement of {$150.00} every two weeks is taken out by direct deposit. After XXXX  months of payments I contacted Bright Lending. I had a previous loan with them that I paid off the year before. I paid that loan off early. If I were to keep making the biweekly payments, I will have paid {$3200.00} by the end. I tried to call and settle the loan. They wouldnt allow me to pay off the loan while there was a pending payment. After that payment processed, my balance increased. I reached out again and they told me I could pay {$750.00} to pay off the loan. I asked if I could split the final payment off, pay half or more now and pay the rest when my next payment would be made. They would not allow that. They are a predatory practice preying on desperate people in this time when many are struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Personal information incorrect

Complaint:
All three Credit Bureaus XXXX, Equifax, and XXXX, and their Furnishers have illegally, and unlawfully put unconfirmed debt on my credit report. I have 2 Medical debts on the report from XXXX XXXX XXXX and I've never entered into any contract promising them XXXX. Collection companies on my report such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX can not Provide any proof of my signature or contract with me agreeing to pay a debt. Furthermore, XXXX XXXX XXXX in XXXX, Michigan have Accepted a cash down-payment in an All consumer Credit Transaction which is illegal according Title 15 U.S. Code 1605. Credit Acceptance never offered me Car insurance to be added to the sum of all charges. I paid a third party insurance independent of the loan with them. I also payed for other taxes and fees which were not included in the price of the loan. I demand that All old addresses be removed from all agencies and Furnishers platforms aswell. I demand that court and traffic items be removed from the report aswell because they're hindering employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: TX
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 XXXX Account # XXXX, # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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

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 2023-08-21
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit card -Chase XXXX XXXX in my mail today ( XXXX XX/XX/XXXX   ). I did not sign up for this card. I did not authorize this card. I have no banking relationship with Chase at all. I contacted their fraud department. They said they had to call me back on my mobile for some reason but have refused to do so. I need this account closed immediately and removed from my credit history. Any other cards in my name need to be closed at once. This is all fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, I've been trying to negotiate with Planet home lending my loan for a while now. I've submitted my mortgage assistance application and still have not received a fair answer to my request but instead i was given the run around and sometimes just an answer to shut me up so they can look good. As I stated i submitted my request for mortgage assistance and they did not even look at my finances at all instead they gave me an offer that i can even afford based on my finances. All that I'm asking for is a fair review and a fair payment based on my finances on not something that they are forcing me to take. Please review my situation and allow me to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Account # XXXX Ive sent Kohls/ CAP One a letter on XX/XX/2023 via certified mail and it was returned ( Insufficient Address ) ( XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. Please see supporting documents enclosed. 
My repeated attempts in order to have this deleted off my credit report have been wasted. I was forced to send this letter certified in order to prove that Kohls/CAP One is being deceptive by 1 : By putting the wrong address on my credit report in order to prevent me from disputing it via mail that displays KOHLS/CAP ONE using deceptive practices. They only want to call me on the phone. Ive advised that all communications will have to be by mail. I have yet to receive any communications. Ive pulled my credit report in an attempt to get their address in order to have this debt removed from my credit report and everything has been sent back. Please see the attachments Ive attach to prove that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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'm not connected with the creditors referenced, nor did I authorize the specified inquiry. I urge you to expedite the removal of this inaccurate inquiry from my credit report to ensure its accuracy. I appreciate your swift response to 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 non-monetary relief
Consumer complaint received 2021-07-09
Company: Five Clans Lending LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call today from the Collections Dept ( person 's name was XXXX ) from a company called Elk Lending. She advised me that I supposedly had taken out a {$500.00} loan and that the first payment was past due in XX/XX/2021. I immediately advised that I never took a loan out, and that I have never heard of Elk Lending. She apologized but they are requiring me to file a police report and an IdentityTheft.gov affidavit and email both to them at XXXX to hopefully clear this up sooner rather than later. 

I called the XXXX number as referenced on the upper left hand corner of the Elk Lending website ( https : //elklending.com/ ). I spoke to a woman by the name of XXXX. I requested she transfer me to their security department and she did not. She provide information exactly as what XXXX  provided to me. She also was kind enough to provide me my supposed login credentials to the Elk Lending website so I can poke around to see what information I can possibly find in there. 

Between XXXX and XXXX, I was provided the following information : {$500.00} loan, approved on XX/XX/2021. Loan was sent to a bank account at a bank named XXXX XXXX XXXX  same day. 

This is obvious fraud and identity theft as I don't need a loan, have need heard of nor bank at XXXX XXXX XXXX. 

How does this company verify that it was legitimately me applying for the said loan? They have my name, social and birthdate. They should be verify other information as well ( employer, paystub, etc. ). 

How do we resolve this quickly? What a hassle. 

Thank you in advance! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have lots of names and addresses on my consumer report that are not mailable addresses and not my XXXX giving name. 

XXXX XXXX, XXXX XXXX XXXX is not my name Correct name : XXXX XXXX XXXX. 

Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all not mailable addresses

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

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 XXXXXXXX # XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One has placed a restriction on the joint bank account I share with my husband. They refuse to tell me why there is a restriction or release my money.

Company response to consumer: Closed with explanation