BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX I enrolled in XXXX  XXXX XXXX XXXX  XXXX. As with most XXXX universities, it was extremely expensive, much more than anything my non-college educated mother or deceased father could pay. Unfortunately my mother was unable to complete her taxes on time when it was my turn to apply for college funding. Being XXXX and claimed as her dependent, I needed her tax returns to apply to federal college funding, FAFSA. With no one to assist me I applied for private student loans ; one from XXXX XXXX, XXXX XXXX, and XXXX, which has since been sold to Discover. 



My full tuition totaled to about XXXX, all of which I borrowed from these private banks with variable interest rates. XXXX sold my loans to Discover, which have a variable interest rate, mostly hovering between 11 and 13 percent. Since XXXX I have made my payments on time consistently yet my balance remains larger than the original amount borrowed. XXXX was the borrowed amount and I have given Discover nearly XXXX and only XXXX went towards the balance. 


Before I was laid off by the current pandemic ( XXXX industry ) my average annual income was XXXX. And because my debt to income ratio is too high, I do not qualify to have my loans refinanced. I have been turned down by every company I applied to. What else does this mean? I will be denied for a home loan, car loan, and most other steps towards a future. The American credit system says I am too broke to get help. 


For eight years post college graduation, I have paid over {$1000.00} a month to all of my loans yet I owe more than I borrowed and it is impossible to get out of this hole of debt or go anywhere with my life. 


After years of cries for help falling onto deaf ears at Discovers call center. I finally contacted the corporate office in Delaware. The woman who answered, claimed she opened an investigation on my account. It has been a month and I have not received a call back. Half of the time I call, the phone rings for a few seconds then plays an automated message saying the number is no longer in service. 


I'm writing to ask for help by some sort of regulation to not allow this to happen any longer. It is crippling my generation and will lead to a very imbalanced socioeconomic future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: FL
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 attached and FTC report with an account and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was told them I didn't have any account with them .they call me every day and they want reported me to credit office

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear XXXX, Ive been a holder of a XXXX credit card for many years and had never missed a payment or had an issue on the account. I elected at some point to go paperless with statements at the encouragement of XXXX. 
As you can see by my activity on my account, my credit card balance is paid off monthly. At the end of XXXX of XXXX, I carried a {$0.00} balance on my card. At some point, I stop receiving electronic statements from XXXX, I assumed it was because I had a XXXX balance. In XXXX of XXXX, XXXX XXXX charge me a membership fee of {$450.00}. I was not aware of this charge and I didnt authorize this charge. Because I wasnt receiving any electronic statements, I was not aware of any balance due on the account. As you can see on my account, I never used the card for any other charges the following several months. Since I was not aware of the balance and then the subsequent late fees, XXXX reported these to the credit agencies as delinquent. It wasnt until XX/XX/XXXX that I received a call from XXXX stating I had an overdue balance on the account, which I then promptly made a payment on {$100.00} until I could investigate. After the payment was made, XXXX closed my account, and I couldnt access it on-line. 

I didnt notice any of the above until I was applying for a loan and the lender stated that my credit score was XXXX. A few months earlier, I knew my credit score was actually at the highest level of XXXX. I knew an error must have been made for it to drop 100 points. That is when I discovered the issue with the XXXX account. I called XXXX immediately and explained the above information and they stated they would get it corrected with the credit reporting agencies, but then I get the attached letter stating that the records are correct. 

This is unacceptable treatment from a financial institution like XXXX to a long-standing client with exceptional credit history his entire life. XXXX failed to contact me either via mail, electronically or by telephone before reporting a delinquency and allowing an unauthorized charge to my account. I demand that this be corrected with the credit reporting agencies immediately. XXXX error has already damaged my ability to secure the lowest interest rate loan available. If not corrected, I will take legal action and sue for damages. Most importantly it is the right thing for XXXX to due for a previously loyal client. If XXXX was not in the wrong, then why did they eventually reverse the charge that caused the issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: UT
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:
This company seems not to be able to report information accurately, do a valid investigation or even understand what is being requested as an investigation vs. something that isn't. I want these items corrected or permanently removed from my credit. I'm tired of disputing these things with them. If they can't do the right thing by correcting or keeping accurate information then they shouldn't be in business & housing personal data! If it's not fixed this time, I'll file civil suit to have the items removed & sue for monetary damages. See attached. 

1. XXXX XXXX - my current balance is not that high! Even XXXX XXXX XXXX XXXX don't reflect this inaccuracy! It's reported by the bank monthly, keep up! Fix it or I sue! 
2. US Dept of Ed loans- now they threw comments on there that I'm disputing the loans making it appear that I have an issue with the creditor! The issue is with the Bureau NOT the creditor! I asked them to remove these as I felt they were XXXX yrs. old & should be removed. They sent a response stating they weren't XXXX yrs. old & would remain on until such time. So that dispute was with Equifax not US Dept of Ed! Why are comments on there to the effect that I disputed something with the creditor??? Remove that verbiage or you will be forced in a court of law to remove all of the accounts on the attachment permanently from my report! You had no business doing that & if you update anything on there to keep them on longer I will sue you for that! That's another stunt you all like to pull thinking all consumers are stupid. The only stupid people I see are all of the bureaus! Fix it or permanently delete all of them! Don't fix them, then lie to the CFPB again & I'll force you to delete them or see you in civil court! 
3. My current physical address ( XXXX ) is shown as a previous address while the previous ( XXXX ) is reflected as the same! My current addresses are the XXXX & the XXXX! Fix it! Last time I intend to bring this up. Next time will be in court!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Tribal Lending Enterprise, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
they lied to me about the {$900.00} loan and was trying to charge me over {$1000.00} for a {$900.00} loan

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 2021-01-26
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We are the seller. Purchasing agreement was signed by the buyer on XXXX. XXXX XXXX ( XXXX, NMLS License # CA-CA-DOC XXXX ) with the GEM mortgage ( XXXX, NMLS ID # XXXX ) started working on this loan on XXXX. As of today on XXXX, the FHA loan is still not approved. The lender was still working on the verification of employment ( VOE ) on XXXX. No timely communications from XXXX to seller 's realtor and broker even till this date ( XXXX ). 

Compliance officer XXXX with the GEM mortgage was contacted on XXXX regarding my concern that XXXX was not processing the loan properly. I spoke to XXXX on XXXX regarding this subject matter. Received an update today XXXX but I disagree with the finding that XXXX said that he did communicate with seller 's realtor. The issue is not about communicating or not. The issue is that there was insufficient and untimeliness in updating the status of the loan. To blame the 108-day escrow non-closure on COVID-19, FHA loan processing time, seller 's realtor 's personal issues, buyer 's issues, ... etc does not satisfy any reasonable buyer/seller 's expectation of a " normal '' real estate transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-01-26
Company: Schukei Chevrolet Volkswagen
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a collection debt put on my credit file with XXXX XXXX, XXXX, XXXX  with a debt I do not recognize, nor owe, The creditor XXXX XXXX XXXX a 3rd party, the original creditor XXXX XXXX  over billed a closed account, XXXX XXXX XXXX  is a 3rd party collection service, that never sent me anything. only called and harassed me with 5 calls daily, left no messages, I called their number repetitively, I told them to send it back to original creditor ... they instead listed on my credit file in violation of Fair Credit Reporting act,, violating my rights, having never allowed my right to respond or dilute.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-09
Company: Navient Solutions, LLC.
State: NV
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:
When the Public Service Loan Forgiveness program was rolled out, I was working at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. In approximately XXXX of 2007 I contacted XXXX XXXX to determine what I needed to do to take advantage of this program. I was told there was to continue to make my regular payments and then I could apply for loan forgiveness after ten years in public service. Thereafter a large part of my consideration for remaining in public service rather than leaving for a private law firm was that approximately {$60000.00} of my student loans would be forgiven after ten years. I contacted Navient last year and I am now told that I am not eligible for the PSLF because Navient is servicing my loans. I 'm told I must now consolidate my loans with another company at a much higher interest rate and start my 10 years of service over to be eligible. I have dedicated my life career to public service and I am now being told my time in public service thus far does not count because I was provided false information and my loans got transferred without my consent. If the PSLF is in place to assist and/or reward those of us who have dedicated our careers to public service, we should not be penalized despite our service because of the negligence of these loan servicing companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSWORLD SYSTEMS INC
State: KS
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:
We were made aware of an account in collections for {$920.00} when we applied for a mortgage loan. We researched the issue and found out it was a medical bill from the XXXX XXXX XXXX, part of an insurance claim that mistakenly was not paid by our car insurance carrier under claim XXXX. I paid the collection amount immediately. Our insurance company reimbursed me as it was their responsibly to pay this medical bill from a 2017 car accident. The insurance company issued a letter acknowledging an error on their end and asked that it be taken off our credit report. I have been trying for 2+ months to get this removed. The company has not removed it when I have disputed it and provided documentation of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Comerica
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My Direct Express debit card PIN number was veiwed and card stolen and withdrawn for almost XXXX} on XX/XX/2020 from XXXX XXXX on XXXX XXXX. I have the police report and illegal ATM withdrawals statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Colony Brands, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a write-off. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor must remove the current status to list it as paid in full. When I spoke to the creditor, they stated the bureaus must remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see attached bank statement showing I paid XXXX in full-page 3

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: AL
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:
At this point I feel like I've been getting taken advantage of by the credit bureaus. On XX/XX/XXXX I noticed additional addresses on my credit report so I sent in a letter requesting all inaccurate names and addresses be removed. Now four whole months later the names and addresses are still there. Now fast forward it to XX/XX/XXXX, I sent a letter regarding more inaccurate and unknown things on my credit report but to this day over 60 days later I haven't seen a response. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They did not do this so I had to send in a complaint to CFPB and it was only after that complaint that I even got a response at all, but they responded with some type of response saying they don't think it was me and they need a copy of my drivers license. This is ridiculous because as I previously stated I sent a letter in XXXX asking for them to remove all names and addresses that weren't included on my drivers license, so clearly they've had my drivers license ( and I sent a copy of my social security card also ) since XXXX. I demand that these accounts be deleted immediately or I will have to file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach so my information was probably put in the wrong hands. Hopefully it won't take another 120 days that they'll take advantage of me again.

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 2017-12-09
Company: Aldous & Associates, PLLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX place an item on my credit for the amount of {$660.00}. I am not aware of the creditor. I have never received a telephone call from the collection or creditor. I also research and they are not licensed to collect in the state of Louisiana. This company has impacted my credit in the middle of me purchasing a home. This is unfair and injustice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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:
I been receiving continuous phone calls of harassment, profane and abusive language, garnishment of all and any bank accounts, death threats and threats of being sent to jail and prison, from XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  Representatives for fraudulent accounts and debts that arent my debts or accounts. The XXXX XXXX XXXX Line of Credit Account for {$500.00}, XXXX   XXXX/XXXX  Account for {$3200.00} and XXXX XXXX Account for XXXX XXXX for {$84.00} is fraudulent accounts and debts thats not my accounts or debts. XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law. The following credit inquiries are fraudulent and unauthorized : XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed with no warning nor explanation

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 2022-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2020-10-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was supposedly opened in my name XXXX, and charged off in XXXX. I have tried repeatedly to contact the creditor for verification of this account to be mine, Ive also disputed this account numerous times for inaccuracies. This account meanwhile is till open, even though it reports Closed/Charged off. 
Barclays Bank Delaware

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