BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-22
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX Sallie Mae accepted a forbearance payment of {$37.00}. 
" XXXX Paid XX/XX/XXXX XXXX Borrower '' This is the forbearance notice. No where did it indicate that a payment becoming due had to be paid, as Sallie Mae allows payments up to a week later with no penalty. It is misleading to not include information that the very first payment due under the loan was NOT part of the forbearance. Obviously, the request for forbearance was filed long before the payment was due. 


XX/XX/XXXX Dear XXXX XXXX : We 're pleased to let you know that the request for forbearance on your education loan listed above has been approved. We understand that circumstances can change, so we 're happy we were able to offer an alternative solution that allows you to temporarily postpone your payments. 

Your forbearance period is XX/XX/XXXX through XX/XX/XXXX. 
Forbearance requires a payment of {$50.00} per loan, not to exceed a total of {$150.00} per forbearance request. If you 're postponing payments for more than one loan, the total payment will be divided equally across your loans and applied to the Current Balance of each loan. 

The documents supporting the above data is available if it can not be attached to this complaint. It is also unfair for Sallie Mae to not release to the co-signer the details of the forbearance and how it would affect the first payment due under the loan subsequent to the student ( my XXXX ) graduating.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-01
Company: Ascendium Education Group
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have a student loan through XXXX XXXX who has a lawsuit against them. I agreed to pay a specific amount and have been paying. They transferred my loan to XXXX who has a lawsuit against them. They stopped accepting my money, started sending it back to make it look like I have not being paying I have a number of different companies calling me claiming they are the department of education and asking me for money. 

When I call both XXXX XXXX and XXXX, I am told I have a XXXX balance and the company call me is not associated with them and they have no idea who they are. This company who has all of my information references XXXX XXXX and XXXX. 

I believe this agency is a debt collect who access data bases and takes it upon themselves to collect and contact the parent loan people after they are successful in getting people to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: LA
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 XXXX Last 4 of SSN XXXX & DOB XX/XX/XXXX Credit Bureau Names XXXX XXXX Equifax To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$830.00} on XXXX, XXXX, and Equifax how can XXXX XXXX opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : Equifax shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows no payment history within the last 24 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2021 my fianc and I went into XXXX around XXXX with a preapproval from 2 days prior. After submitting all necessary paperwork we were told it would take around XXXX hours to finalize the process. We left around XXXX and received a call an hour and a half later saying everything has been approved and to come pick up the keys and sign final paperwork. upon arriving an employee pulled up our address on XXXX maps years prior to our move in and stated " the lender pulled up your address and because of how it looks the lender no longer wants to offer you financing, because there is no way a business is run in a house that looks like that '' a manager came to us about an hour later after being told to wait and handed us our paperwork and stated " we arnt able to offer you a car at this time '' I said " I have a right to know why we are denied after an entire day of waiting around and being told we were already approved '' He responded " no Actually you don't have that right, we don't have to tell you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Click n' Close, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi there, My wife and I are in bankruptcy. Due to this, our bankruptcy payments go through the Trustee who then makes payments to the mortgage company. Those payments are sent in a timely manner each week and we have had no problems ( been in bankruptcy for 4 years ) until now. Click n Close ( aka-Mid America Mortgage XXXX XXXX XXXX XXXX XXXX has taken over the loan. They refuse to pay the insurance to our home insurance company XXXX XXXX. The legal documents for Case # XXXX include the instructions that mortgage and insurance payments are to be paid through the bankruptcy case. We are not behind and our attorneys have attempted to rectify this with the mortgage company, but they do not answer. If they do answer us or the attorneys, we are given information to silence us but they are uncooperative and unprofessional. 
At this point, we need our home insurance paid and Click n Close ( or the sister companies ) has the money but are refusing to pay. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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 2023-01-09
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
through my bill pay account I have XXXX TD Bank credit cards XXXX is XXXX, and the other is XXXX. 
XXXX different account numbers, I instructed to Pay the XXXX account they applied it to my XXXX account different account numbers. 
I call and asked to have it applied to the other account the request was denied and the bank agent was rude. 
I asked to reverse and send put the money back in my account so I could pay the right ac count. 
they will not do it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: HI
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:
The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Equifax report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. This item shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had filed a dispute for a transaction that merchant did not provide services as agreed. I tried to work with merchant but was unsucessful. When WellsFargo revuewed the clsim they provided me with temp credit as my dispute was making sense. When the case went to XXXX  abritation, XXXX declined saying there is no breakdown for price. Wells Fargo also reversed the credit on my account. WellsFargo is not willing to appeal the case saying its costly affair. My question is if the merchant never provided breakdown on actual invoice, how I as a consumer can provide that. The breakdown of charge allocation should be from merchant not consumer

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 2021-11-04
Company: EQUIFAX, INC.
State: MI
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:
I have noticed some inquiries on my credit file that Im not aware of I contacted the bureaus they told me contact the creditors I did all that & I have been dealing with this mess for at least 3 months now. I have not heArd anything back from the bureaus or the creditors. I sent letters telling them to send me written documents verifying my ID signed contract and all showing who could do this to me and they never responded. Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inaccurate inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I contracted XXXX for home in XXXX ~ XX/XX/2023 the seller asked me if I want a table I said not i don't need it, then he mentioned is for free, I accepted to sent it over, after the first month of XXXX XXXX XXXX i received the invoice with account number XXXX i procced to paid in full, so after some time i received another invoice I thought is a mistake and a leave it, after like 4 months i continue paying the account XXXX but received another bill with like XXXX dlls i said why is like that i communicate with XXXX and asked what is happening the problem is the seller creates 2 account one for my XXXX home which i asked for and another for the table which is mobile with number XXXX, i told them i don't asked for that service then they offered some help to fix but they never did anything about. i am not walling to pay for something that i didnt ask and they sold me with lies. so the debt is with a collector and already impacted my credit score. 

This is the information about the Collector Credence Resource Management , LLC. 
with reference number XXXX. 
I have never being in contact with them why I own a bill to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: NY
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:
My complaint is 1 Experian didnt have sent me a single report of all my disputes by mail 2 Experian is acting ruthless to my credit report validating inaccurate information is my credit report like a dictator 3 I sent my proves of my disputes to Experian and even not a single report match with any credit agency with many thing they still say that this report is form the furnisher Committing violations after violations to 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 explanation
Consumer complaint received 2023-03-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
WELLS FARGO foreclosed on my mother in XXXX, the problem with this is she died in XXXX. Their partner in crime is law firm XXXX XXXX XXXX XXXX XXXX XXXX who are notorious for wrongful foreclosure and mortgage identity theft which was proven in FBI Case Number XXXX. 
Also see No. 19 C 5113 10-30-2019 LOIS I. BERG and ROBERT D. BERG, Plaintiffs, v. MCCALLA RAYMER LEIBERT PIERCE , LLC Defendant. 

In XXXX, the CFPB received 7 complaints against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ranked XXXX XXXX among all financial companies for the most complaints. 

Consumer Complaints There are over XXXX complaints on file for XXXX XXXX XXXX XXXX XXXX XXXX. Dated between XXXX and XXXX. 

Question : When are you going to stop WELLS FARGO and their gang of thieves from stealing from we the people? Are you in the conspiracy with WELLS FARGO and their gang? Is that why you are refusing to help me? You are supposed to protect me! When are you going to protect me!!!!!! 

Don't ask the crooks, they are just going to keep giving me loan documents for my dead mother who died in XXXX. She is dead! My uncle is the executor to her estate so how can liars XXXX XXXX XXXX and XXXX have power of attorney? I don't think they asked my uncle for permission, after all he has the Letters of Testamentary. Do you see the problem? Do you see they have damaged me? Their actions killed my father and now my father is dead too!!!! They killed my father! They all need to go to jail for what they have done to my family. HELP ME!!!!

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 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX TransUnion, LLC XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX File Number : XXXX Re : Unauthorized Credit Inquiry to Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. I am a victim of fraud and have a police report on file. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX/XXXX, XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view 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 explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: TN
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:
My mom put me as a authorized user onto her XXXX XXXX XXXX  but I didnt know or ask I wasnt aware so with that being said she fell behind on her card and its causing my scores to drop significantly I would like to be taken off as a authorized user and correct my scores please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Yes I called capital one bank on my 3 credit cards. They accepted a hardship program with all 3cards. Going thru hardship. They told me too send in each month what I can afford. So sending in XXXX each month on all cards. But they won't wsivr any interest. But said no late fees. I keep getting monthly payments with minimum going up. Not right. Need too talk with someone get a solution. Also on one of my cards they got me a 30 day late fees from back in 2018. Hoping too get that late payment waived. Hurting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
accounts appear on my credit report that I do not recognize and have not authorized.

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 2019-06-01
Company: Experian Information Solutions Inc.
State: NY
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:
accounts appear on my credit report that I do not recognize and have not authorized.

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