BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls from 'CBE Group XXXX looking for my ex-husband. I divorced this man over 20 years ago and recently have received calls from 'CBE Group ' looking for him. I have no relationship with him and am not interested in this. phone numbers used today are XXXX XXXX twice XXXX, XXXX, XXXX. This is harassment of an innocent party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX HAS POSTED A COLLECTION ON MY CREDIT REPORT FOR {$4000.00} THAT DOES NOT BELONG TO ME ... I HAVE CONTACTED THEM SEVERAL TIMES ASKING TO REMOVE THIS FRAUDULENT COLLECTION FROM MY REPORT WITH NO LUCK.. AND INSTEAD OF VALIDATING THIS DEBT OR SENDING ME A COPY OF THE CONTRACT THAT MADE THEM THINK IT WAS MY COLLECTION THEY STARTED THEIR VERY AGGRESSIVE AND INSULTING COLLECTION CALLS TO MY CELL, WORK AND NOW RELATIVES ... THIS NEEDS TO STOP PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Due to the corona pandemic and being out of work and school, taking online classes, I reached out to Sallie Mae, my brother and I over the last several years have taken out many student loans from Sallie Mae. I am a sophomore in college and I have {$25000.00} in loans to SM. I called their customer service # a few weeks ago and asked if my interest could be stopped during the pandemic, I pay $ XXXX month just in interest and have no means to pay it as I am out of work now due to this crisis. My parents are struggling, they pay for the majority of my school and can't add this loan to their finances right now. I was told that Sallie Mae would not be making any exceptions, I think this is disgusting and will look into how I can transfer my loan and will never borrow from them again. They are one of the largest financial institutions for private student loans and are one of the few not participating to help students at this very  difficult time. I would like my interest credited for the month of XXXX and suspended until we are back to school and work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello. I have served as a public servant in higher education for the past 13 years. I recently submitted my application for Public Service Loan Forgiveness after successfully making 120 on time payments over 10 years. I work for an XXXX XXXX XXXX- The XXXX XXXX XXXX. My application was submitted on XX/XX/XXXXXXXX  to my servicer ( FedLoan Servicing ). I received a response on XX/XX/XXXXXXXX  indicating the Department of Education needed additional time to verify my employer. I found this to be a bit perplexing since the XXXX XXXX XXXX ( my employer ) is responsible for reporting all student loan federal compliance reporting data to the department as well as fed loan. If they should know who anybody is, it's my employer. I have checked in every month since then, most recently on XX/XX/XXXX. There is still no update on the status of my request and now I am receiving emails from the department requesting that I prepare myself to reengage in payment cycles after XX/XX/XXXX. Please help me in resolving this so that I can receive my PSLF. I have diligently complied with the requirements over the last 10 years and feel this wait time is absolutely not right. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a FREE savings account with Bank of America in XXXX. I just noticed on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  I was charged an XXXX XXXX monthly service fee. I have had this savings account for 17 years and have NEVER been charged a monthly service fee before. I called Bank of America and spoke to a customer service rep, I asked why they started charging me this fee all of a sudden. I had NOT authorized any type of account change and I had not been notified of any changes. She told me the savings account required that I keep a {$500.00} balance. This had NEVER been a requirement before and I have never been notified I would have to meet this requirement to avoid an XXXX XXXX monthly service fee. The customer service rep researched my account and after 45 minutes could not tell me why I was never charged a monthly service fee prior to XX/XX/XXXX. She also refused to refund the two service charges. I asked to speak with her supervisor. When he got on the phone he told me the same thing as the customer service rep, there is a {$500.00} balance limit and he also could not tell me why I was all of a sudden being charged a fee that I hadnt been charged for the previous 17 years. He also refused to refund the two XXXX XXXX monthly service fees. I find it absolutely appalling that after 17 years of owning a FREE savings account, Bank of America can all of a sudden start charging me a monthly fee. I never authorized changing to a different type of savings account that WOULD charge a monthly fee. And Bank of America can not even tell me WHY or WHEN this change took place.

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 monetary relief
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
customer service at TransUnion would not help and take care of the negative inquiries reporting to my credit report. From XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I did not approved i already had a letter from XXXX  XXXX with a pre approved loan for my car. 
Total of 11 inquiries Please help

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 2022-08-12
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage that is serviced by Ditech Financial LLC on a property I own in Connecticut. In the entire history of this loan, I have never missed a payment or even been late on one. I received a letter dated XX/XX/2018 from a collection agency alleging that Ditech had not received my mortgage payment that was due by XXXX. Subsequently, I logged into my account and saw that the payment for the exact amount ( {$1400.00} ) was submitted 2 days early - and received - on XX/XX/2018. 

The payment was submitted electronically. However, Ditech misallocated the payment, directing the entirety of the proceeds towards principal. This is not how I had arranged the payment, through their own system. 

To make matters worse, they opted to refer the matter directly to a collection agency and applied a late fee to my account. 

This is easily the 5th time I have had this issue arise with Ditech, and I am beyond tired of having to spend my time pointing out errors of their own creation that have a meaningful effect on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: American Accounts & Advisers, Inc.
State: MN
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:
There are 2 collections accounts on my XXXX  credit report from a debt collector AMERICAN ACCOUNTS AND ADVISORS that were closed by the debt collector because the " alleged debts '' could not be verified. I have contacted the debt collector by mail and asked them to remove the 2 bogus debt collection accounts from my credit report, they have not responded to me for over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am having an issue with the three major credit bureaus XXXX, XXXX, and Transunion. These agencies have been reporting erroneous information on my credit report. I have tried time and time again to rectify these issues with the credit bureaus. They have stopped responding to my letters and have been continuously reporting this incorrect information on my credit report. Firstly they have been reporting a payment history of charge offs! That is incorrect how can a credit history contain only charge off and nothing else? Theyre reporting charge off accounts also as a collection and charge off! they have also been reporting charge off and collection accounts as open instead of closed! Under consumer law charge offs are considered income that must be filed on my federal taxes and not debt! Theyre reporting this as debt which is incorrect under these consumer laws! They have also been reporting inconsistent information across all three bureaus, according to the FCRA all credit bureaus must report identical information! Theyre all in violation of the FCRA 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 2020-11-09
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was evicted from the apartment complex, XXXX XXXX ( which has been sold to someone else and the name has been changed to something else ) in XX/XX/XXXX. I was never contacted by the management company XXXX XXXX XXXX or anyone relating to them. 

I was contacted 18 months later ( between XX/XX/XXXX/XX/XX/XXXX ) by Hunter Warfield, Inc. telling me that they were a law firm representing XXXX XXXX XXXX XXXX XXXX stating that I owed them over {$10000.00} and when I explained to them that I did not owe them the money and I had disputed the debt on all three of my credit reports to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the debt was removed because they did not report accurate information. I was then told by Hunter Warfield that they proved to the credit bureau that the debt was accurate so it was back on my credit report after being removed. I then told them that it was against the law for them to put something back on my credit report and they said that it was not. I then asked them if the debt was accurate can they prove it to me by showing me a ledger or something and then I was told, " We don't have to send you anything or prove anything to you because we proved it to the credit bureau ( XX/XX/XXXX ) .Then they hung up on me. 

I know that I don't owe them over {$10.00} and they refuse to show me anything proving that I owe them money because I don't owe them. They are committing fraud by trying to make me pay money that I don't owe them..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 social security number was affected in the XXXX  Breach. Since then Ive had all sorts of predatory loans popping up on all of my credit reports. 
I have disputed XXXX XXXX as an account which was not mine several times .With XXXX  , Trans Union , and XXXX. 
Each time I would dispute, the investigation would result in deletion of the account as XXXX XXXX is not able to verify. 
However, dispite XXXX XXXX  ability to verify, Here we are a year later and these agencies have allowed the company to reinsert the debt without validation, or the 60 notification I am legally required to recieve from transunion. 

According to the fair credit protection act, if a consumer disputes an account, and the account is found to be inaccurate, and deleted, both the reporting company and the reporting agency must notify me in writing if the same company tries to re insert the debt after they failed to verify. I have never been notified by any of the violating agencies that this company intended to reinsert this debt after deletion. 

These Agencies, who are suppossed to protect the comsumers continue to fail me wtih their security breaches and lack of due diligence. 
Case in point is, all three agencies are claiming that their information is correct and verified, dispite the fact that they are reporting varying information All three agencies are reporting a different amount for the SAME account named XXXX XXXX ( South Carolina ) Tranunion reports the account balance at {$390.00} XXXX  {$300.00} XXXX  {$480.00} All three numbers can not be right, nor can all three agencies be correct, so in fact all of the agencies are reporting knowingly reporting inaccurate information. 
Specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}. 
To add insult to injury, if you call XXXX XXXX they will tell you that they no longer own the account, and that a 3rd party company ( not listed on the report ) does and they will give you a number to XXXX XXXX  When you call that company XXXX, they will tell you the account is closed as well.

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 2020-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I received a letter from BofA stating that if I paid for a appraisal and my LTV was 80 % or below I could cancel my PMI. I sent in the required documents and a appraisal was done. I received another letter dated XX/XX/2020 that they had received the appraisal and my request to cancel my PMI. ON XX/XX/2020 I received a letter stating my XXXX needed to be 75 % before I could cancel my PMI. This is a primary residence and it should be 80 % XXXX. I'm currently at 78 %. I have contacted them on several occasions with no help.

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 2020-11-09
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: Their investigation did not fix an error on your report

Complaint:
CREDIT BUREAUS REFUSING TO DELETE UNAUTHORIZED FRAUD ACCOUNTS FROM MY CREDIT FILE. THEY ARE INDICATING THEY CONTACTED CREDITOR AND I CONTACTED CREDITORS AND THEY INDICATE THEY NEVER SPEAK TO BUREAUS ON COMSUMER FILES. THEY ARE UPDATING INFORMATION IN=STEAD OF REMOVING ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
CREDIT BUREAUS REFUSING TO DELETE UNAUTHORIZED FRAUD ACCOUNTS FROM MY CREDIT FILE. THEY ARE INDICATING THEY CONTACTED CREDITOR AND I CONTACTED CREDITORS AND THEY INDICATE THEY NEVER SPEAK TO BUREAUS ON COMSUMER FILES. THEY ARE UPDATING INFORMATION IN=STEAD OF REMOVING ACCORDINGLY.

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 2019-09-06
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please review my checking and savings account for any unauthorized deposits and withdrawels.From this day forward no one is authorized to use any of the credit of XXXX XXXX XXXX .This only applies to the direct deposits from the Veterans Administration that are deposited into the above accounts.

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 2019-05-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I was hit was a hard inquiry from XXXX from XX/XX/2018. I did not sign or authorize them to do this. Under the fair credit act I have up to 30 days which I disputed this already twice and no results. I am hoping here you guys can look into the situation and remove this false inquiry from my XXXX, Experian and any other credit reports this might be on. As the information is false. Thank you

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 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding TransUnion, XXXX, and XXXX continued willful and negligent compliance I am bringing this to the attention of the CFPB. 

I have written several requests that the unverified items, XXXX XXXX XXXX ( TransUnion ), XXXX XXXX  XXXX  ( TransUnion  and XXXX ), and XXXX XXXX XXXX ( XXXX, XXXX, and TransUnion ) still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is reporting accurate information. 

In the result received from XXXX, XXXX, and TransUnion in the first investigation and subsequent reinvestigation, they have stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? All 3 credit bureaus have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 7 ). Furthermore, all 3 credit bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA-you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attachment from XXXX  showing deletion of XXXX XXXX XXXX  XXXX, Account # XXXX and 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