BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-30
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX- I took the forbearance option because the payments that Sallie Mae demanded got out of control XX/XX/XXXX- they did a financial check of me and my co-signer. It was determined that we did not make enough money to keep a roof over our heads and be able to pay what they were requesting. We told them how much we could afford, but they still refused to go down and only went to {$800.00}, which we determined there was no way we could afford. 

XX/XX/XXXX-XX/XX/XXXX- tried writing letters dm requesting written communication to figure out payment plans. They would not respond and they still will not work with me. Now I am at risk of default because they are refusing to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: URS Holding, LLC
State: NY
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:
Alltran Education Inc. calls me after I legally requested them to cease and desist all contact with me. They're in violation trying to collect a debt I don't owe. They can't physically validate the debt as I requested them to. I wrote to them and asked them unless they send me all physical evidence requested to validate this debt, they should never contact me again and must remove my name from thy record. 
However, I kept getting phone calls from them. different time during the day. They use different phone number to call me many times, each i would back they no longere in service which cause me nuisance, I feel Ive harassed by this compagny I feel threatening by they abusive behavior agaist me. 
I have contacted the creditor about this unauthorize loan they opened under my name in the past. They refused to investigate the school that sent them these fraudulent applications to collect on my behalf without my knowledge. 
Altran education continuously sending me correspondence, pressuring me after they've received my cease and desist letter. 
I feel like they try to scam me force me into paying back a loan that I never used and I dont owe. 
I asked them to contact who sold them the debt and notify them of this debt being disputed and to contact the credit bureaus as well they ignore all my request to clear the wrong debt, they have in my name under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax is not offering the identity theft protection for minors, this is n't right. 

This complaint is regarding the recently revealed Equifax data breach. In response Equifax is advertising " We are also offering free identity theft protection and credit file monitoring to all U.S. consumers, even if you are not impacted by this incident. ". I went to https : //www.equifaxsecurity2017.com/ and entered last names and last 6 digits of social for myself, wife, and 3 kids, the instruction came back and requested to enroll at a later date. I came back on the date stated and enrolled my wife and I but was gated from enrolling my kids, stating the person had to be older than 18 years old. This is n't right, the kids data is apparently on the sight, and the offer was to all US consumers, but the kids are not included. 
I called the Equifax call center number XXXX on XXXX XXXX, 2107, was offered no useful assistance, and was not provided with any type of contact information to appeal the issue farther up the chain of command. I was told I could " XXXX '' the contact info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call from phone number ( XXXX ) XXXX, on behalf of JC Penny, they said they were attempting to collect a past due debt, that for which I have already paid for and have and provided documentation for. They threatened me to take me to court. They keep no calling me every every year.

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 2019-02-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw the Wells Fargo account for {$96.00}. I called Wells Fargo recovery to take care of the debt owed with a promise to delete the negative trade line 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 2019-08-29
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we financed our home with Option One Mortage ( first and second ), we refinanced in XXXX with another bank. However, when going to the XXXX County Wisconsin, Register of Deeds, we have found out the Option One Mortage never sent the paperwork over to the courthouse to record it a satisfied. I have tried getting ahold of Option One Mortgage, the closing companies as well as my current mortgage holder and can't get anywhere. How can a company claim they were never paid for a mortgage loan when it was refinanced?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, Paypal made unauthorized transaction causing a negative balance of {$130.00}. XXXX XXXX XXXX XXXX, XXXX, XXXX , VA XXXX ; has filed a false claim with XXXX XXXX once XXXX XXXX XXXX his false claim, an unauthorized user deducted money out of my account. 

Paypal has held funds from every transaction illegally under the electronic funds act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was charged unexpected interest fees by Capital One. I acumulated {$720.00} worth of interest between XXXX and XXXX of XXXX. I had the card since XXXX of XXXX and had not been changed any interest at all. I had been unemployed for 9 months and sick with XXXX. I did not expect any interest and was additionally confused due to XXXX  fog caused by XXXX. When I learned that Capital One had started charging an unbelievably high amount of interest I was frightened and borrowed money from a family member to pay it off. I than contacted Capital One to attempt to request a refund or credit, under the circumstances with the pandemic and my sickness. I was told that there was nothing that could be done, and given the run around despite apealing to their humanity and explaining my financial hardship and XXXX. I have continued to call them, escalating to multiple managers, only to be told over and over again what their policy is ( which does not account for Covid in any way ), and that they will not help me. It is important to note that through this experience I also learned that Capital One has a policy they claim is intended to assist people with financial hardship by allowing them to skip payments, but it immediately puts them into a situation where the will be changed interest. I know that other credit card company 's are forgiving interest due to COVID and I am very disappointed and frustrated to know that Capital One cares more about policies than peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Resurgent Capital Services on XX/XX/XXXX about a debt on a XXXX XXXX XXXX  issued by XXXX XXXX XXXX XXXX  stating that I owe a balance of {$2900.00}. The current owner of this debt is LVNV Funding LLC.and was placed in Resurgent company for collections. This card was supposedly issued in XXXX. I have never had a credit card from this so-called bank and company and have never been contacted by mail, email, or phone about this issue to dispute it till now. I called, upon receipt of this letter, the Resurgent company and they wanted a plethora of personal information which I refused to submit to. This is a definite fraud situation and I am requesting an inquiry into this matter so it doesn't happen to other unsuspecting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I signed up for a Platinum card from American Express in XXXX, XXXX. The same month the annual fee was due, for {$550.00}, covering the whole year until XXXX, XXXX. Amex decided to cancel my card for no reason XXXX no late payment, no bankruptcy, normal purchases ) and took my {$550.00} with them. No refund and no prorated refund. So it seems they gave me a card, took my {$550.00} and closed my account right after. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
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:
Status of account is correct, however the servicer shows the account as behind.

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 2020-01-30
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: Information belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This collection been on my credit report for over XXXX years now and we came to a settlement. I paid the settlement and it still havent been removed from my credit report. I called multiple times they said it was nothing they could do about it. Dates and late payments are wrong!

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 2023-06-07
Company: EQUIFAX, INC.
State: NV
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Midland Funding LLC Date opened XX/XX/2017 Balance {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Way to many overdraft fees. I've been a long time customer and these fees are becoming ridiculous. I had to make a purchase at XXXX for medication and food to prepare for hurricane

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-17
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes, I sent a follow-up dispute (XX/XX/19) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. ACCOUNTS	XXXX XXXX XXXX XXXX		XXXX	not mine	XXXX XXXX XXXX		XXXX	not mine	XXXX XXXX XXXX		XXXX	not mine	XXXX XXXX XXXXXXXX	not mineXXXX XXXX XXXX XXXX		XXXX	not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Nelnet, Inc.
State: TX
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:
I have attempted to use IBR to payback loans through UHEAA and I have been unable to access my XXXX loan servicing. Each time I attempt to contact them when the loan is due they have a reason for why I can not access the system. 

I have worked publicly, very publicly, for the XXXX XXXX since XX/XX/2011. I have been unable to actually receive just compensation for my time and ideas. I have served this country in various offices across the land. I do not think it is fair that because I have had some XXXX XXXX breakdowns due to the sheer magnitude of this countries problems that my law school debt has increased almost XXXX. 

It was my assumption under FCRA guidelines that loans are to be forgiven for inaccuracies and health conditions. I do not owe UHEA or XXXX anything because I am XXXX XXXX. An actual XXXX   of this country and this land. I should have never had to pay a dime. 

It is not my fault that XXXX XXXX XXXX and all those connected to him are trash individuals that refused to properly obey the law or respect women. I should not be associated with them and their past violent acts against women. It is categorically unfair to be named a XXXX. and still be responsible for the sins of forefathers you have never really met, nor wanted to meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: US MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Contract on Property XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Ga XXXX Mortgage thru US Mortgage - XXXX XXXX XXXX for {$210000.00} 1 % earnest money put down on the property {$2000.00} XXXX XXXX XXXX told my real estate agent on XXXX XXXX, XXXX that XXXX XXXX looks great for the loan and he could close it in 20 days. This is after my agent XXXX XXXX went back to the other agent XXXX XXXX because we had originally asked for 30 days and the seller asked for 20 days hence asking the mortgage broker and he stated 20 day as you can clearly see on the Contract. 
The property in question is XXXX XXXX XXXX XXXX Ga is my rental property. The first time I put a prop under contract XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX stated he could not do because he thought it was an FHA on it, when it was a XXXXl. So XXXX stated I was good to go with the XXXX XXXX property. 
as you can see Documents were asked for and provided in a timely fashion but 3 days before closing XXXX XXXX, XXXX and days after the contingency expired i get a call from XXXX asking to get on a call from XXXX XXXX to authorize her to check payment history and balance. If this info was asked for from XXXX XXXX within the first 3 weeks of the contract and not 2 days before closing I would not have lost my {$2000.00} earnest money because US Mortgage would have found out I was late more than 2x what FHA rules are.I have asked US Mortgage for the {$2000.00} back due to their negligence. 

All this info stated above will the documents supporting everything claimed attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank -They called a family member that Ive been hiding from that I havent spoken to in years and told they were looking for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
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:
XXXX XXXX XXXXXXXX THEY have not reported correct payment. The account is showing open and was closed in 2015. The credit bureaus are not verifying the accounts on my credit file correctly. I have never received the original binding agreement from these creditors that I asked for nor are they reporting accurate payment history in over 90 days of disputes. Please send me proof of late payments and proof these credit bureaus are verifying the accounts with my signature. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX has attempted to infiltrate my life since I began leasing for them in XX/XX/2018 through XXXX XXXX. From XX/XX/XXXX - XX/XX/XXXX, I did not live in that Unit, none of my close friends or associates did, however, during my stay in XXXX XXXX XXXX where I was held illegally through the entire process, I was not able to access my house, my money, my phone, or any other possessions. The individuals responsible include XXXX XXXX XXXX XXXX XXXX and any and all other persons at the hospital and in the " executive '' or " quasi-executive '' branch that picked me up for no real reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Navient Solutions, LLC.
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:
This company has constantly incorrectly applied my payments to the wrong accounts. They have mis communicated their programs, interest rates, and have taken payments without authorization. 

Lastly, I applied a additional payment to my loans to try to pay off my loans quicker because Navient has increased Rates and have not allowed any loan options.

Instead of applying those payments to my loans and principle, they incorrectly put me in a forbearance program. These issues have been ongoing both with their Federal and Private department and have added thousands of dollars in interest and many of my hours to sort this out with their incompetent departments. This errors are unacceptable and Navient seems to do as they like without any consent from me what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a capital one sharebuilder investment account. I want to close the account and withdraw the funds. When I was trying to do this I saw I had an outdated address on file and update it to my current address. Now they say that it 's not a valid address and wo n't let me withdraw the funds or transfer the money to one of my other accounts. My other 10 accounts with them have no restrictions. I called them on XXXX/XXXX/XXXX and spent 2 hours on the phone getting fingers pointed at other departments and one of the supervisors there implied I was a terrorist ( after being their customer for 10 years ). On XXXX/XXXX/XXXX I recieved an email again stating they are unwilling to close my account.

Company response to consumer: Closed with explanation