BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
There is no clear way to pay down the principal. They call it an " overpayment '' and they apply it to the interest of the largest loan. I have a XXXX loan that they have scheduled at {$420.00} / month and that would be paid off in XXXX or XXXX payments. The loan was originally XXXX and by the time I pay {$420.00} for 144 months I will have paid them {$61000.00} for a $ XXXX loan. When I looked at how I could pay down the Principal, I learned that I can not make a principal paymet but can " overpay '', but am not sure where that money goes? Does it go to the interest or the principal. Not clear and I would like to know and wonder how anyone can allow a loan like this to exist! 

When I called Sallie to find how how I can apply loans to the principal one man said, " you can't '' and hung up. The next agent walked me through the site. I had to log off and go to main site to find an example for repayment or 'overpayment '. ( The actual PDF will be attached, but I have copied and pasted highlights below ). Please not the unrealistic monthly payment that are associated with loans in the amounts of XXXX or XXXX? {$25.00} or {$67.00} a month is not accurate at those interest rates. So this is misleading and impossible to pay down! 

******FOLLOWING IS AN EXCERPT FORM AN ATTACHED OVERPAYMENT EXAMPLE PDF FROM SALLIE MAE.com ( XXXX is attached to this complaint ) ******* Loan amounts : {$10000.00} {$8700.00} {$5500.00} {$6800.00} {$31000.00} Current Balance 8.25 % 8.00 % 8.00 % 7.75 % Interest Rate {$69.00} {$25.00} {$37.00} {$44.00} {$170.00} Current Amount Due {$120.00} {$0.00} {$0.00} {$0.00} {$120.00} Overpayment Amount Payment allocation : The payment of {$300.00} was first allocated across all loans to cover the Current Amount Due of {$170.00}. Then the overpayment of {$120.00} was allocated to Loan 1 because it has the highest interest rate of all loans. 
____ The agent and me could not find a description anywhere, that said this " overpaymenet '' was applied to the principal or the interest. WHERE WAS PAYMENT ALLOCATED TOWARDS! PRINCIPAL OR INTEREST? 

I would like to see where mypayment is applied when I make it. How much to principal and how much to interest and why does a $ XXXX loan need 144 months to repay and why is it slated for payoff 13 years from now when I am paying $ XXXX/month! 

Since I have 4 loans, I do not know how to pay down the principal for each, as Sallie Mae decides and applies the overpayments to the largest loan Main question, is this overpayment applied to interest or principal! Why are there XXXX payments for a XXXX loan!? 

I have 4 loans : You ask for loan numbers but there are 4. They control how they are paid off! 
XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: TN
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-05-30
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I have owned a condominium unit in XXXX XXXX, NC since XX/XX/. Every year in XXXX, the HOA renews its flood insurance policy, which covers all the condo units. Every year we submit the new policy to Truist 's website ( XXXX ) and every year Truist claims that they have not received the current policy. One year they even purchased a flood insurance policy of their own and tried to make us pay for it. Since this occurs every year, I am beginning to suspect that this might be their goal- to force us to pay for a policy we do not need. I have tried to call them on their insurance number and on a general number, but they have labyrinthian loops, none of which offers the chance to speak with a actual human person. I finally did manage to speak with a human, but the call was cut off. In past years, it took months to resolve the issue. I do not know why they put us through this song and dance every year, but it needs to end.

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 2023-03-06
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:
In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Were in the process of refinancing our home mortgage. There is a pre-existing, zero-balance HELOC that the new lender is seeking to subordinate to its loan. I have contacted my bank, HSBC, and was advised by its Special Loans group ( approximately XXXX2021 ) that the only way to get that done was to email XXXXXXXX XXXX to request that it be done. I made repeated requests by email with no response. Ive supplemented that with calls to the Bank itself, who, no surprise, disclaims any ability to do anything. 

The refinancing is important to my wife and me, and this lack of accountability and responsiveness can not stand. Appreciate any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX, Experian and XXXX, are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, EXPERIAN is reporting the account as XXXX/XXXX XXXX, XXXX is reporting the account as XXXX XXXX XXXX XXXX/ XXXX   XXXX and XXXX  is reporting the account as XXXX XXXX XXXX XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.

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 2023-05-30
Company: T.S. Holdings
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called XXXX on XX/XX/XXXXXXXX  in regards to a debt collection in my account in which I had disputed. I explained to the representative that I have a security freeze on my account in which I had on there since XX/XX/XXXX. So I was confused how someone was able to gain access to my credit report without me removing the freeze. The rep explained that because I had a fraud alert in my report he had to transfer me to the fraud department. After being transferred I explained the same situation to the new rep. He then explained to me that they do not validate debt and I quote these were his words. I then repeated what he said and he said yes. We dont get any contracts or anything elses from the creditor saying that the debt is valid. He said all we do is ask the creditor if the debt they listed is valid and if they say yes we inform you that the debt has been validated. I then expressed my disbelief and asked how would they know that the debt even belong to me. I also expressed that it was impossible for it to be mine as I had no dealings with this company before that was reporting the debt and that the debt being reported was from XX/XX/XXXX in which I had not open any accounts with anyone during that time. I also advised that I have a security freeze on my report. He then says well let me validate who you are so that I can access your report. I give him my Information and then he says he needs to ask a series of questions. He starts to ask questions that I am unfamiliar with as I have no association to any of the questions asked. He then claims he cant validate who I am and that I need to hang up and call back to speak to someone else to get new questions. Well I never called back and submitted a dispute in writing with a certified attached. Im saying this to say that XXXX has unfair dispute practices that allows creditors to put negative collections on your report without having to provide documentation that the debt belongs to you. XXXX at this very moment is costing me financial hardship and continues to do so after allowing XXXX  XXXX  to open credit in my name during a time that a fraud alert was put on my credit report. XXXX removed the XXXX  account but later allowed XXXX XXXXXXXX a collection agency put the same account on my report and claimed it was valid after I disputed it citing that the account was sold to XXXX XXXXXXXX XXXX XXXX Please dont allow XXXX to do this to anyone else and allow there reputation and credit to be harmed because they lack the dignity to verify collections before putting them on credit reports. I am requesting XXXX deletes accounts from XXXX XXXX  that were sold to XXXX XXXX XXXX and any other agency as well as these accounts from IQ international.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100ACCURATE. PLEASE REVIEW AN DELETE ALL DATA SUBMITTED ASAP.

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 2020-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX RE : SSN : XXXX To Whom It May Concern : This letter is regarding account a Collection, under my social security number : XXXX which you claim I owe {$400.00} on behalf of XXXX XXXX. This is a formal letter that your claim is disputed. 
More specifically, I am referencing the fact that you are reporting the following : No account number given. What account number are you referring? How did you arrive at amount owed? Furthermore, what date was the account closed? What date did this account go into default? What is the date of last activity? The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately. 
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 
Page 2 of 2 My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Resurgent Capital Services L.P.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IN 2009 MY APARTMENT WAS BROKEN INTO AND THEY TOOK ALL IDENTIFICATION ALONG WITH PEROSNAL BELONGINGS, COUPLE YEARS LATER I START GETTING COLLECTION CALLS AND AT THE TIME I WAS UNEDUCATED ON CREDIT REPORTING AND UNAWARE OF HOW THINMGS WORKED. I ENDED UP PAYING TWO DIFFERENT COLLECTION AGENCIES OVER {$2000.00} AND COME TO FIND OUT THESE AGENCIES WERE FAKE, THEY SCAMMED ME! THE CALLS CONTINUED AND THEIR WERE MORE AGENCIES TRYING TO COLLECT, THEY WERE CALLING FAMILY OUT OF STATE, MY EMPLOYER IT WAS GETTING OUT OF HAND. AS THEN YEARS WENT BY I STARTED MONITORING MY CREDIT REPORT FILE TO FIND SEVERAL FRADULENT ACCOUNTS AND GOT THEM ALL REMOVED, HAVING THE ORIGINAL CREDITOR CONFIRM THE ACCOUNTS WERENT MINE. XXXX IS A ACCOUNT THAT HAS BEEN ON MY REPORT FOR YEARS AND I HAVE TRIED FOR YEARS TO GET XXXX, XXXX, XXXX TO REMOVE THE ACCOUNT AND I CAN PROVIDE YOU WITH CERTIFIED LETTERS I SENT TO THEM. I REACHED OUT TO THE COLLECITON AGENCY WHO REFUSED TO GIVE ME ANY VALIDATION OF THE ACCOUNT BECAUSE I TOLD THEM IT WASNT MINE AND THEY INSISTED IT WAS, THEY FINALLY THREE YEARS LATER SENT ME A LETTER STATING DEBT VALIDATION. THE LETTER DID NOT HAVE ANY INFORMATION VALIDATING THAT THIS DEBT IS MINE. IN THE LETTER IT HAD MY NAME, ADDRESS, BIRTHDATE, NO ACCOUNT NUMBER, AND THEY LISTED 2 DIFFERENT ORIGINAL CREDITORS. I STILL HAVE LETTERS THEY SENT OUT TO ME AND THE ONES I CERTIFIED MAIL TO THEM. THE FIRDT ORIGINAL CREDITOR WAS XXXX WHICH THEY CLAIMED WAS LOCATED IN NEW YORK, I WAS BORN THERE AND MOVED TO MARYLAND AT THE AGE OF XXXX YEARS OLD SO THEIRS NO WAY I COULD HAVE GOT THAT CREDIT CARD IN HIGH SCHOOL, THE SECOND ORIGINAL CREDITOR WAS XXXX XXXX. I HAD ANOTHER FRADULENT ACCOUNT WITH XXXX XXXX YEARS AGO WHICH WAS REMOVED BECAUSE XXXX  XXXX CONFIRMED I HAVE NO CREDIT CARDS WITH THEM, SO THERES NO WAY ITS FROM THEM. MY SOCIAL HAS BEEN FLOATING AROUND AND THE CREDIT BUREAUS HAVE BEEN NOTHING BUT EXTRA STRESS, THEY HAVE DONE NOTHING, THIS ACCOUNT IS IMPACTING MYN SCORE AND ITS UNFAIR I HAVE T0 SUUFER ON SOMETHING THAT ISNT MINE AND HAS BEEN ADDRESSED SEVERAL TIMES! IT SHOULD HAVE BEEN TAKEN SERIOUSLY AND REMOVED YEARS AGO! PLEASE HELP ME! THEIR HAVE BEEN SO MANY INCONSISTERNCIES ON THIS ACCOUNT, THE DATE OF THE ACCOUNT BEING OPENED, THE BALANCE, AND MORE. THEY ARE REPORTING DIFFERENT INFORMATION TO EACH AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have told Experian, XXXX, and XXXX to investigate these accounts : XXXX  XXXX : XXXX and XXXX XXXX. However, they stated everything was complete and accurate. That can not be correct, because the date opened, delinquent payments, and remaining balance are inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 802 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states that a reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which 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 reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.

Also they aren't in compliance with metro 2 credit report. I have evidence to prove my case.

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 2022-05-16
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:
I have been working on my credit since XXXX this year and I have sent mail to the XXXX, and XXXX mailed me letters stating I was a credit repair agency and could not resolve the issue. I have been in the dark about my personal credit since XXXX XXXX, XXXX. I have not heard anything and they have violated my rights. I need these negative items removed from my credit report. They have violated my legal rights! It has been well over 60 days with no communication via mail, or email. 

Accounts listed below & Dates of letters sent on XX/XX/XXXX, and XX/XX/XXXX : 1. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
3. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. XXXX Account Number : XXXX Please remove it from my credit report. 
6. XXXX / XXXX Account Number : XXXX Please remove it from my credit report. 
7. XXXX Account Number : XXXX Please remove it from my credit report. 
8. XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX {$800.00} XXXX {$400.00} XXXX {$660.00} XXXX {$2200.00} XXXX {$1700.00}

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 explanation