BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Received a call from a XXXX at PHEAA, number XXXX with information, I thought was, regarding my impending hearing to address the consolidation and the converting of both my federal and private loans and the documents and notes that had been altered. He became insulting, bias, intrusive, judgemental and condescending, yet I remained calm throughout the conversation. I listened, tried to obtain answers, as to my hearing date. He told me mid to late XX/XX/XXXX. And, until then, I can send in any other documents. He told me to call the XXXX number and ask for the Hearing Dept. if I had any further questions. Today, XX/XX/2019, I receive a call from PHEAA regarding I set up a payment plan, as provided by a XXXX XXXX at PHEAA. He did not address my impending hearing or the fact that I had spoken with a XXXX the day prior. I told him to stop calling the XXXX for collection demands and that I have documentation in file and that I did not have to provide him with my E-mail address when he asked for it. He placed me on hold, when he returned, I was told XXXX was not available but, XXXX wants me to set up a payment plan. I contacted the Default collections Dept at XXXX and spoke to a XXXX. She basically told me the same thing as XXXX XXXX. I had not received any recent calls, that I am aware of, from PHEAA until yesterday, XX/XX/2019. Now, the harassment is starting again. And, no hearing, no information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I disputed some inquires in Late XX/XX/XXXX to remove some inquires due to a Victim of their Inquiry issue. I received a letter it was not resolved a deleted. Here are the in inquires XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problem : XX/XX/XXXX Wells Fargo took a full mortgage payment from my payment schedule to pay for {$40.00} short on my mortgage payment. WF kept that going until I was notified by mail my yearly escrow payment schedule and the payment to WF was adjusted on my end to pay WF the full payment. Once my Ch13 was discharged XX/XX/XXXX I was contacted by WF with a letter informing me I had funds that could not be released until I brought the account to full. WF began a full assult of phone calls asking for the balance be paid in full. WF stated on a phone call they would send me all the info of when this short fall happened and for how long ... papers never arrived. The other form of documentation she said she would send is a Cease and Desist for me to file against WF ... never arrived. I have since stopped taking calls from WF. Last month I went on line to find the start of the shortfall and did find the date and was going to download all the documentation however I was called to work and sad to say forgotten. Last week I attempted to log into my account and was unable to I attempted several times and still I was unable to log into it. I contacted WF directly and was told they have blocked my account due to this issue of non-payment. WF does not have the right to block me from my own documents.

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 2020-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was in a motorcycle XXXX in 2019 XX/XX/XXXX. I lost all my cards and identity so after waking up from a coma i have gotten reports that fraud activity been identified on XX/XX/2019 that wasnt me because i was in the hospital. On the other i contacted my bank and told them it wasnt my transition No amount was taking but my account was closed and i cant reopen my account or open an account. Also with my chase someone took a XXXX dollars out my account. I reported identity theft and try to call each bank to resolve this problem.

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 2018-06-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Sallie Mae originated as the third party on this account and continuously put us in payment plan that had no end in sight. We continued to struggle make payments for the past 15 years, but made all our payments except only had to take a forbearance once due to a job loss. We struggled without savings and without retirement knowing we were getting close to the 20 year forbearance. Now our loans are with Navient and things are not any better. When we called recently to find out exactly how many more years we had to pay until our loans were forgiven, they said " oh you are not eligible for forgiveness because you are not enrolled in that program. We can enroll you in that program now if you like, and in 20 years you will have forgiveness as long as you are in good standing. '' Not only do we face 20 more years of payments, and no more savings, or retirement, but our kids are now faced with taking loans for school and more. The cycle never ends with the deceptive practices. Never once did we assume our loans would not be forgiven after 20 years of payments, and especially since the principal amount of the loans has been paid, but due to the way the system works the wording and the structure of their repayment assistance you never payoff your loans and you keep paying more and more interest. We are now faced with our payments going from {$650.00} to over {$900.00} for the next 20 years, even though we have paid over {$110000.00} to date, which was the amount of our original loans. According to Navient we will now pay the same amount in interest as we had in original loans, and we will have done so over 40 years. This practice is unfair for those who have made payments for decades and continue to do so, only to find out that our remaining loans would not be forgiven after 20 years. Never were we advised about having to be in a special program for forgiveness after 20 years, actually the only willingness the groups are readily able to do is lower your payment, but never telling you the long term ramifications. These deceptive practices are a reason the country falls further and further in debt. This is worse than the housing market scams, I am not looking for any special penalties or refunds, or monetary damage. At this point I would like to just have my the remainder of my loans forgiven. That is only fair. I have paid over the original loan amount since I started paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
It appears that my credit file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1400.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each itemis 100 % true, accurate, correct, complete & VERIFIABLE ). If credit Bureaus do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: STATE FARM BANK, FSB
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: Information belongs to someone else

Complaint:
I am being hit with a hard inquiry on XX/XX/2017 from state farm. I had called the company a while ago and they said they would remove hard inquiry as this was fraud and not authorized me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2020 I sent a letter requesting copy of my signature to verify ownership of loan sent out certified copy. 
XX/XX/2020 They received the letter. I also copied my credit report same day. 
XX/XX/2020 I received a letter from XXXX XXXX XXXX, that showed a copy of a consumer loan application with my name typed on it but no signatures that I had asked for. 
XX/XX/2020 I sent out Letter Number 2A asking again for verification of account with a signature and mailed it out on same day certified. 
XX/XX/2020 They received the letter. 
XX/XX/2020 I copied my credit report and they have not marked in comments that this account is being disputed by consumer which is in violation of FCRA XX/XX/2020 XXXX marked my account as collection/chargeoff and is still not marked as disputed

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 2019-07-12
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have 3 mortgages with Caliber Home Loans, XXXX XXXX XXXX XXXX, OK XXXX. 
The website and telephone system is unfriendly to me as a consumer, and difficult to navigate. I've tried several times to set up my payments as biweekly ACH autopay, and have been unable to do this because their system requires that I am ahead 2 months in my payments, AND that the next payment is due. So there is a narrow window of a few days in which to accomplish this, ( both after I've paid and after I wait until the next payment is due. ) This can only happen if I pay online, with an extra charge for online payment, and its still difficult times correctly. 
Whether an account is on ACH autopay is not reflected anywhere on my printed statements, or in any of the account details on the account website. ( Autopay accounts I have with other companies will say on the statement " Do Not Pay - Auto Pay. ) The only way I can check this is to telephone a representative and ask. There is always a very long wait through many prompts before I can speak to a representative, and the Caliber phone system is only available Mon-Fri XXXX to XXXX XXXX, Central time, inconvenient for me, as I live on the west coast. 
When I finally get to a representative, they are always helpful and professional, but the Caliber Company has not invested in a user friendly website, which would probably actually save them money in fewer calls to their reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: ID
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:
In XXXX of XXXX, during the pandemic I took a {$1000.00} credit builder plus loan from XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Loan number XXXX I broke my foot after taking this loan and was placed out of work for several months. When I returned to work in XXXX of XXXX, I contacted XXXX  customer service and they agreed to not submit this to collections, remove the escrow portion of {$500.00} of the loan. Since the escrow would be my own money returned to me and only require to repay the {$500.00} advance portion of the loan. We agreed to make bi weekly of XXXX to repay this, which started in XXXX of XXXX and was sent a confirmation email by the XXXX XXXX  representative, on this agreement. I made bi weekly payments from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I paid the loan off in full and have the bank transactions to prove this. XXXX  claims, on my experian credit report, that this debt was a charge off and have listed from XX/XX/XXXX until XX/XX/XXXX as each month was a charge off. On my XXXX account, the loan is listed as paid off in XX/XX/XXXX. XXXX I was offered and accepted another {$1000.00} credits builder plus loan shortly after I repaid this one on XX/XX/XXXX. They certainly wouldn't offer this to an account holder with a charged off account. I have disputed with Experian many times and have shown all the proof that this account was paid and not charged off yet it still remains the same. This was not agreed to as a settlement but a means to repay this and remain in good standings with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: TX
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Keeps calling and sending letters repeatedly after advising that its not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Southwest Credit Systems, L.P.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX Southwest Credit SYS XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX  ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is for the property at XXXX XXXX XXXX XXXX, FL XXXX with loan number XXXX. Homeowner 's name is XXXX XXXX. 

We would like to reach out to you because we are still unable to get any representative from the home preservation team of Suntrust via XXXX due to their long hold time of 8 hours. We have scheduled callbacks for that is the only option when calling them, however, we really have not received any call back from them. We can not get any further updates for this file due to not being able to receive any scheduled callbacks that we set with them. 

We have also tried to reach out to their point of contact but still unable to to get a response. 

The file was tagged complete on XX/XX/2020 and we should've had their decision already for the short sale review.

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 2020-06-25
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: Information belongs to someone else

Complaint:
After checking credit report I found out fraud activity and accounts which are not belong to me. However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. 
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
I uploaded my personal information like SSN, DL, Proof of the address and Identity Theft where all fraud accounts were listed. Please remove them as soon as you can.

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 2022-08-10
Company: ACIMA CREDIT, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, ACIMA DIGITAL FKA SIMP has violated my rights. Regarding alleged account # XXXX 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. 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. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
trying to get my credit report from Transunion for three days, and they keep on giving me the runaround.

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 2020-10-10
Company: Experian Information Solutions Inc.
State: OR
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:
My account has been either in forbearance or Ive been back in school ever since I took out these loans. Ive been adamant about it. Yet they keep reporting these months within the cycle as missed payments which is negatively impacting my credit + Ive requested four times this year for this to be corrected.

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