BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: SLM CORPORATION
State: MD
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:
I graduated but have been unable to get any job but a part time job with XXXX XXXX. 
I have 4 loans with Sallie Mae and I am paying $ XXXXmonth on 1 and the rest are in default because they require me to pay way more than I make and my Mom can't afford an additional $ XXXXmonth payment. But they make calls to everyone even people that aren't relatives. I don't even know the people 's number they are robo calling. I was getting 8-10 calls a  day as well as my Mom. Then I heard from a cousin I haven't seen in 10 years that they called him about me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Resurgent Capital Services L.P.
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 RECEIVED A LETTER FROM XXXX XXXX ( COLLECTION COMPANY FOR XXXX XXXX XXXX ) SOME FEW DAYS AGO ABOUT CLOSING MY XXXX XXXX WHICH HAD BEEN IN COLLECTION AND THE LETTER SAYS THAT THE ACCOUNT HAS BEEN CLOSED AND TAKEN OVER BY SOMEONE ELSE BUT IT IS STILL REFLECTING IN MY CREDIT REPORT AS OPENED EVEN THOUGH THEY SAY THAT IT IS CLOSED AND IT HAS CAUSED A DEROGATORY MARK WHICH HAS LOWERED MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We ( I & my wife ) are both retired, and a month and half ago my wife contacted our mortgage bank ( Wells Fargo ) to see if they forgive our remaining mortgage ( very little left ) since we have always paid on time and also finished most of the interest for the loan. The bank did not have any programs, but they mentioned " loan modification '' plan which we did not apply for it. They sent the application through the mail, anyway. A few weeks later, we received another package that indicated the bank had opened an escrow without our knowledge, had paid the XXXX County Tax ( for the property ) that we had already paid ourselves a few days earlier, and appraised the property. We contacted the W.F and expressed our shock and dismay with the steps they had taken on their own without our consent. They designated a case specialist and after going back and forth she informed us that the case is dropped and the bank would withdraw the escrow documents. Today ( XX/XX/21 ), I found out that we were overcharged in our bi-weekly mortgage payment by WF. I contacted the officials of the bank and to my surprise I discovered they had not withdrawn their escrow papers ; instead, they had charged us for their fees.

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 2023-01-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have presented several letters to Equifax regarding to my personal information. The seem to have not responded to my letters and having make the changes to my personal information. 
They have my name as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
Also they have my work history incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All the address they have are not mines : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. It was financed through Chrysler Capital. The account number is/wasXXXX. I was a XXXX XXXX in the XXXX XXXX at that time and had let my father handle my finances while I was working in the legislature including paying bills such as this. My family learned he had XXXX XXXX XXXX in XXXX of XXXX and that he had not been paying my bills due to the memory issues. I immediately called Chrysler Capitol as part of trying to address this and other bill issue. The loan was 90 days late at that point. I explained the situation to Chrysler Capital, I paid to bring the loan current, including the late fees, and put the loan on an automatic payment plan. I was not told there was a problem with my loan and there was no effort ever made to repossess the vehicle. I made onetime payments for the next 3 years until XXXX of XXXX when I checked my credit and discovered that the loan had been charged off in XXXX of XXXX. I was never given any notice of this or any opportunity to pay off the vehicle, refinance with another lender or otherwise correct the problem before there was a charge off. There was never any attempt to repossess the vehicle. Yet Chrysler reported the loan as charged off for 2 years, did not report anything for an additional 3rd year and had the balance listed incorrectly. All the while they were accepting my onetime payments and making interest off the loan while at the same time writing off the loan on their taxes. This greatly impacted my credit score and my ability to get a home loan. I tried, unsuccessfully, to get the matter corrected. All they did was to report the additional months of the loan being charged off and corrected the balance to show the lower amount from 3 years of on-time payments. That actually made my credit score worse. I ultimately paid off the vehicle in XXXX of XXXX to avoid further negative reporting. They should not have been able to both charge off my loan and accept payments onetime for 36 months after the charge off and report my loan as charged off each month. They basically got to double dip by getting the loan payments and interest - on time and got the tax write off for charging off the loan while negatively affecting my credit all that time and for the foreseeable future. I am seeking to get the negative reporting removed as the I was never given notice the loan was charged off, never given the opportunity to sell, pay off or otherwise prevent the charge off and I made the onetime payments for the 36 months after the problem occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account had previously been disputed and removed from report. I guess another company acquired it and they were given a letter by me explaining it was removed and I again was disputing. I received a letter dated XXXX XXXX, XXXX saying they were ceasing collection. This is the second letter I received from them explaining they were ceasing collection, which I got before the XXXX of XXXX. I received my updated credit report explaining that they re-investigated and the information was said to be true. I did not receive any documents showing proof of their investigation and it is still on my credit report even though the collection agency said they were ceasing collection. My report is dated XXXX XXXX, XXXX which is after the letter from the collection agency. It should have been removed.

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 2021-06-03
Company: CAVALRY INVESTMENTS, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted numerous disputes with Calvary Portfolio Agency to clear a debt that it not mine and I never received any written notification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX I asked for the bankruptcy to be removed from my XXXX and TransUnion account XXXX   deleted this item from my record as they were unable to verify this item. I have contacted the creditor/court listed on their listing and they have revealed to me that they never verified this item with them either.

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 2020-07-09
Company: EQUIFAX, INC.
State: AR
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 soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$220.00} USDEPTED XXXX {$2000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXX XXXX $ XXXXDEPTEDXXXX XXXX {$3200.00} DEPTEDXXXX  XXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: GVA Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
A REGULAR BI-WEEKLY INSTALLMENT WAS SCHEDULED TO BE WITHDRAWN FROM MY ACOUNT ON XXXX XXXX. 

ON XXXX I CALLED TO REQUEST A PAYOFF OF THE LOAN VERSUS JUST AN INSTALLMENT PAYMENT. 

ON XX/XX/2020 WHEN I LOOKED AT MY BANK ACCOUNT THE COMPANY WITHDREW BOTH AMOUNTS THE INSTALLMENT & THE PAYOFF AMOUNT. 

I CALLED ON XX/XX/2020 AND WAS INFORMED THAT THEY WOULD NOT BE ISSUING ME A REFUND OF THE {$100.00} THAT WAS WITHDRAWN IN EXCESS OF THE PAYOFF AMOUNT ...!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Dear Sir/Madam, I am writing to dispute a negative mark on my credit report that was caused by an unpaid emergency hospital visit. On XX/XX/2018, I was riding my XXXX on NJ XXXX in XXXX XXXX, NJ when I hit a pothole that was negligently maintained by the state of NJ. As a result, I was thrown from my XXXX and sustained serious injuries that required immediate medical attention. 

I was knocked out conscious and taken to XXXX XXXX XXXX XXXX where I received emergency medical treatment for my injuries. I want to inform you that I was fully insured at the time of the accident and my insurance company handled the claim. Despite my efforts to pay the medical bill, I was unable to do so due to the financial hardship caused by my injuries and the associated lost wages. 

I believe that the state of NJ is liable for my injuries, as they were caused by a pothole on a state road that was not properly maintained. I have already contacted the state of NJ to request reimbursement for my medical expenses, and I am currently awaiting their response. 

I am requesting that you remove the negative mark on my credit report, as it was caused by an unpaid medical bill that was not my fault and was handled by my insurance company. I would also like to request that you freeze the credit reporting of this debt while I am awaiting the response from the state of NJ. 

Please be informed that if this negative mark is not removed from my credit report, I will consider it as a violation of the Fair Credit Reporting Act ( FCRA ) and will take legal action accordingly. Also, if you fail to investigate my dispute and fail to correct any errors in a timely manner, it could also be considered a violation of the FCRA and may result in penalties and fines. 

Please let me know if any further information is needed from me. I can provide the medical report and the evidence of my claim against the state of NJ, as well as the proof of insurance. 

Thank you for your attention to this matter. 

Sincerely, 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 2020-07-30
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2020 I went to XXXX XXXX delivered a Cease and Desist letter telling them not to run my credit as a result my credit was ran multiple times.I try to address the concern with creditors letting them know the auto dealership violated the Cease and Desist order.I currently have a pending court case XX/XX/2020 resulting the violation of the Cease and Desist order.I try to contact equifax letting them know i want to all dispute after XX/XX/2020 because it was in violation of the desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Received a text from American Express reporting unusual activity, click on the link. Checked my online account, no suspicious charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: WELLS FARGO & COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Around XXXX my ex husband and I opened a Wells Fargo XXXX XXXX credit card. We then closed the account. Last week I was checking my credit report and I saw that this credit card company keeps reporting this card and it is affecting my credit score negatively. This account was closed around XXXX. I do not understand why they refuse to remove it off my credit report as a bad mark. I tried opening a dispute through XXXX but XXXX XXXX refused to change anything on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, US DEPT ED Account XXXX XXXX, XXXX  XXXX Account # XXXX, XXXX & XXXX XXXX Account # XXXX , XXXX XXXX XXXX Account # XXXX, Account XXXX XXXX, Account # XXXX, has violated my rights. 
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

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 2017-09-19
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I applied for this loan because of financial difficulties. Me being young and when I applied it said 29.9 % interest rate. Come to find out it 's actually 299 %. I have made payments never late mind you. The loan was for XXXX. I have paid XXXX $ and I still owe them XXXX. The date as of today XXXX-XXXX-2017. I get payday loans are meant to be paid back by pay day however I should n't have to choose between food and paying this. If someone can bring food that would be great.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Reporting company used your report improperly

Complaint:
Description X In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 a account without my written instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XXXX I received a cashiers check in the mail for a company they had applied for to work at home and when I went to cash the cashiers check it was cashed at Wells Fargo and when I went to deposit cash in my account for days later my account was At a freeze. It showed available balance XXXX or five days later XXXX put it in as a deposit a check of the amount of XXXX. When I went to the bank to find out what was going on because I had paid bills with the money that was in the account they put a stop payment to all of those and told me I was a fraud

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 2021-06-03
Company: Avant Holding Company, Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
In XXXX of 2021 Avant card closed my credit card with an explanation of " they felt I would not pay my balance '' at which time I was not DELINQUENT, or late. Nor had I been. My monthly payments had ALWAYS been way more than the monthly minimum. I have made several calls to company, they say I have to send emails to XXXX ... that they have no answers. I have sent NUMEROUS emails which have just been ignored. I have had card for going on two years. This closure has NO basis and has adversely affected my credit. It's clear looking at my history and credit this account has always been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: MI
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:
Checked my account today I noticed some accounts that Im not aware of some inquiries too I never gave anyone my consent to do this and I dont understand how this could happen. 

Dept of Ed all accounts XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation