BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-07
Company: Navient Solutions, LLC.
State: CA
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:
From XXXX through XXXX I borrowed a total of {$49000.00} through Sallie Mae using a Parent Plus Loan to put my son through college. Early on, Navient became the service provider of this loan. Though I have had a few late payments, I have never defaulted. I had to take advantage of deferment a couple times and have consistently had to reduce my payments though income based programs because I couldn't afford the large payments. For many years I have been on the " Income Sensitive '' program, which apparently does NOT qualify for forgiveness after 20 or 25 years and I had no idea this was not the case until I called them. The only thing that made me feel okay about having this outstanding loan was that it would be eventually forgiven. And after 20 years I would have paid all the money back, if not more, that I borrowed, so it's not like they wouldn't get their money. I was thinking I had about 10 more years to go, which isn't great, but something I could live with. I feel Navient was negligent in not informing me that there were other income based programs that would have put me in the qualification for forgiveness after many years of payment. And nowhere on their website was this spelled out. 
Just look at these numbers : I borrowed a total of {$49000.00}. 
I have paid XXXX As of this writing I owe {$52000.00} I have no words. This is absolutely horrific.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This is a fraud loan application process online, without any document verification. The fraud application of personal is banker, not random people on the street. ( Applicant is a banker, maybe he knows WF bankers ... ) Please see the attached letters from the mail. This is the first time I get this letter. Please see page 5 signed by my e name and time zone is CDT. which is a fraud, I am living in XXXX, SC, EST. I am a student employee at the XXXX  XXXX XXXX XXXX. Please check page 6 my employer is XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX pays me {$2400.00} /month. NOT $ XXXX/month. How WF verify my income and asset? 

Please see the attached pdf. The second page, two loan applications in XXXX, was not me! I don't know who did that face to face in the branch. And WF never said face to face before. 

I applied for a loan with my signature, Only in XXXX, it's being denied, true, then I borrowed family money. It's still the scam.

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 2020-05-12
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My name is XXXX XXXX and I have been trying to clean my credit now for 5 years. My credit was compromised and I also received information from XXXX  that my credit was compromise. I have filed a claim with XXXX  for the Class Action situation with XXXX  data breach. After almost 10 years I have been disputing a Santander loan on my credit and XXXX XXXX  that was a car accident and I sent in all paperwork and it is still reporting. I recall co-signing with my ex husband years ago with Santander but XXXX should be deleted and Santander. The vehicle was sold for {$4900.00} but they are still reporting {$10000.00}. I have been on XXXX for 3 years now but this car loan on my credit is prohibiting me from purchasing anything and keeping my score low. I have complained for over 3 years with all credit reports and they continue to not delete it and I have called the collection agency and they admitted it should be {$2000.00} listed as debt but they havent negotiated the price or deleted it and they are still reporting {$10000.00}. I cant get approved for a place to live and or a credit card. I constantly dispute this car loan and it constantly stays on my credit and its been almost 10 years. Please help me. I am a XXXX single mom of XXXX XXXX children and I already fill in poverty. I am trying to repair my credit. I also have tons of inquires and most I did not apply for and credit companies told me nothing could be done about the inquiries. What are my right with inquires?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Over the past year etc, i have tried to get them to lower my payment, when i bought the house in XX/XX/2011 was mainly cause i needed a first floor apartment or house as i am XXXX. My money ran out finally this year and all i have is the social security check every month which is currently {$1500.00} a month and my mortgage payment is {$1200.00} a month.

I have asked for a lower payment for some time. I finally got a lawyer ( to pay him {$750.00} every 3 months ) to get my payments lowered. One job alone was 33 pages, and 8 pages of Bank statement IRS statements copy of light bills then money started running out etc,.

I can not live on the street, i have nowhere to go.

I would gladly pay pay Wells {$700.00} to {$850.00} a month starting now!!!!!

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 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$1800.00}, {$9000.00}, {$270.00}, {$1300.00}, {$900.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.

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 2020-08-23
Company: Merchants' Credit Guide Company
State: IL
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:
Merchants Credit Guide failed to validate debt in response to my validation request.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am currently living off of money provided from Pandemic unemployment assistance since I am unable to make much income from my normal field of work. Recently, the CARES ACT expired and as a result, I am only receiving a portion from my state unemployment office of the money I have usually received. 

From XXXX- XXXX I accumulated {$370.00} in Overdraft and return item fees. 

This {$370.00} would be helpful in my situation since I am currently dealing with this sudden drop in income since the pandemic forced me to rely on unemployment assistance. 

I beg chase to help me out and reverse all {$370.00} dollars. I think it would be right since I dealt with a small issue in early XXXX in which I was unable to get my debit card sent to my new address. I am dealing with this pandemic as a single father who recently graduted college. 

I don't mind paying my $ XXXX  monthly fee, you guys deserve that money. I'm only disputing the OD and RI fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07
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: Information belongs to someone else

Complaint:
This has been a 12 plus year ongoing saga with the credit reporting agencies Equifax, XXXX, and XXXX XXXX. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My information was involved in a data breach via XXXX, and XXXX I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.

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 2018-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I added a couple family members as Authorized users, they restricted my two 20 year old ( in perfect standing for 20 years BTW with not one missed payment ever ) Capital one accounts.

The demand ID/SS card etc, I send it in, they release the accounts, I then ask " Look I have a few more people to add as authorized users such as my daughter in law etc, if I add them will this happen again? '' they promised it would not.

guess what, I add her and BOOM restricted again and now they refuse to release unless I send ID/DD card and proof of address for EVERY single authorized user since the card began 20 years ago ... .. half these people I have not even spoken to in over a decade, some are no longer living etc. so now 2 accounts, over 20 years old each, in perfect standing can no longer be used YET they still charge the yearly fee ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
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: Account status incorrect

Complaint:
It has been four months and credit reporting agencies have not deleted all unauthorize inquiries and accounts that was included in bankruptcy chapter XXXX. 
Bankruptcy chapter XXXX was filed on XXXX XXXX,2016 and Discharged by Federal Judge on XXXX XXXX,2016. 
Credit reporting agencies are reporting my credit scores at XXXX and why my credit scores has been dropping as I only have two active accounts XXXX XXXX XXXX of {$40.00} a month and XXXX XXXX XXXX of {$480.00} in which vehicle loan payment was reduced to {$440.00}. 
XXXX and XXXX has XXXX unauthorize inquiries that needs to be deleted permanently. 
Experian has only XXXX authorized inquiries and Experian has deleted all unauthorize inquiries from my credit report.Why XXXX and XXXX are discriminating and Retaliating against me as a XXXX US Citizen and Military Veteran. 
I am XXXX XXXX and 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 2018-12-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I, XXXX XXXX hereby claim that an upcoming foreclosure against my property located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is illegal based on the merits of a recent decision known as XXXX  XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX from the Superior Court of New Jersey Appellate Division,  Docket No. XXXX. This decision is extraordinary on its own merits as it restricts foreclosures in the state of New Jersey if there is not evidence proving that the note and the mortgage are held by the same entity. As Judge XXXX XXXX XXXX XXXX said pertaining to previous decisions : It is difficult to imagine circumstances where one would want to hold a mortgage, without having the right to act on the underlying debt. By the same token, there is no technical reason why the interests could not be separated in one way or another. To simplify, the current mortgage servicing company Bayview Loan Servicing, nor the mortgage assignee The XXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX, as Trustee for the Benefit of the certificate holders of XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX v. XXXX XXXX XXXX, et al, Docket No. XXXX. The original mortgage was procured with XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, XXXX, TX XXXX, recorded XX/XX/XXXX, and assigned to current mortgage holder by XXXX  XXXX XXXX XXXX , XXXX, as nominee for XXXX XXXX, XXXX. by electronic signature XXXX XXXX, Sr. Vice President on XX/XX/XXXX. The law firm doing the foreclosure, XXXX, XXXX XXXX XXXX, XXXX. File # XXXX has no official capacity at this point to move forward with a scheduled foreclosure date XX/XX/XXXX until this proof of all documentation is completed. The Federal Deposit Insurance Corporation has been notified of my claim as well as the New Jersey Division of Consumer Affairs. The foreclosure on my home will be illegal and should be ceased immediately until all proof has been established on rights to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: OK
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:
On XX/XX/2022, I tried to get my Equifax credit report from the annual free credit report site. I get to the point where it wants to send you an email with a verification code. It sends you an email with no code and you can not proceed any further. I contacted Equifax and they tried to send me a code while I was on the phone with the agent. I told the agent that I received the same email with no code. You can not get your report without that code to proceed. The agent wanted me to send them more information and id 's to get a code. I asked to speak to a supervisor and was told they were too busy and so I asked to be put on hold and the agent hung up on me. They just want to collect more information on you for their data records and not give you your report but will sell the information to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
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 obtained a copy of my credit report and observed that there are fraud items on my report. I have disputed with Experian and it's still not resolved. This fraud items are severely impacting my life and I can't get a apartment rental or car rental and my car insurance premiums is high as well and they all tell me it's because of credit report and what is causing this issue is fraud account and inquiries. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF as well as XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX I did not authorize or open this two accounts above and have in several letters provided Experian with affidavit and police report and have not received a response. This are fraud and unauthorized inquiries on my credit report as well that are negatively impacting me and credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 


Lastly their is an inaccurate late payment reporting on XXXX XXXX XXXX  - XXXX opened XX/XX/XXXX account, I did contact XXXX XXXX and they said they sent an update to the credit bureaus so this 2 late reporting should be 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 explanation
Consumer complaint received 2018-07-13
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 I spoke with a Lowes customer service rep about not seeing a payment I had made and wanted to know when it was due. I was told the payment had been credited and my next payment was not due until XX/XX/2018. I was checking on XXXX XXXX and it stated that my Lowes card had been close. They checked my credit again without my permission and closed my account based on that. Do I have any recourse as I have never been late had the card almost a year and it will effect my credit score.

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 2021-08-20
Company: Grant & Weber
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ask the company to verify this debt that I'm not aware of. Company sent letter and the name is incorrect of the city. I have no acknowledge or contract with either company

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 2020-08-23
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX. XXXX, I only paid {$450.00} of the {$990.00} payment. Work has been slow, and I could only pay the {$450.00}. The website for Fay Servicing says if you are having difficulties due to the COVID 19,  please let them know, so we did. We immediately received papers in the mail about Foreclosure over {$540.00}. I have been doing odd jobs, and my husband has been trying to work as much as possible to keep up with the demands of not having as much work as normal. On Friday XX/XX/XXXX, I tried to make a full payment of {$990.00} for the month of XXXX, and I can not process a payment online. The account has been fixed so that when I log in, I am not offered a place to make the payment. So, I waited thinking the website for payments was down. I tried again on XX/XX/XXXX, same scenario. I even tried today, Sunday XX/XX/XXXX, and I still can not make an online payment. I called the pay by phone number, and I gave permission for them to debit my account with my bank account, how much I was paying, our account number, etc. The computer said I had to say YES so it would accept the payment, so I did, and it came back saying it could not process my payment, and hung up. 
I will admit that I never pay my payment on the first day of the month when it is due, because I don't have a real job where I get a paycheck every week, my husband and I XXXX  a very XXXX XXXX. We get paid when someone else pays their invoices. But when I do have money, I'm not understanding why I can not make a mortgage payment late or not. 
The house I live in needs all kinds of work to be considered livable without a lot of expenses, it was built in XXXX, and everything about it is expensive, but we do not have the credit, nor savings to do anything about it. Everything I make or am given as a birthday present, goes into making this mortgage payment, and its very upsetting when the Mortgager will not allowed it to be paid, unless we call and talk to a person who will then charge me another {$9.00} to process it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have had a Capital One Credit Card for 4 years. I never used the card before and kept requesting a copy of the card because I have never had possession of the card. They keep 'mailing ' it to me but I never get it. For some reason they pull my credit report 1-3 times per month for the last several years. I called them and everyone I speak to just transfers me and says 'it is out of their expertise. ' I want Capital One to stop pulling my credit report!!!

Company response to consumer: Closed with non-monetary relief