BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was on a interest-only graduated repayment plan from approximately mid XXXX to late XXXX. At approximately mid-XXXX XXXX I received the billing for my XX/XX/XXXX payment and was told that my payment would be going from approximately {$190.00} to {$830.00} beginning XX/XX/XXXX. I thought it had to be a mistake as well I did not have the mental bandwidth to address the billing at that time and I thought I would call before the due date to get my payment adjusted since I knew I was on a graduated repayment plan. I called on XX/XX/XXXX and was told that the payment could not be adjusted, that the next step in the graduated plan included full principal and interest beginning XX/XX/XXXX. I explained that I am not working and hadn't been working all of XXXX but had been making interest payments which is what I could afford. I was told again that the payment could not be adjusted but to wait one week until the payment went past due to see if " the system '' would let the representatives make an adjustment. I did wait a week and called back and " the system '' wouldn't let an adjustment be made. This happened to be the very same day that Biden paused repayments on federal student loans. The representatives I spoke with were not sure why they couldn't make an adjusted payment schedule for me but were certain that their " system '' wouldn't allow it. I am writing because to go from a payment of {$190.00} to $ XXXXon a graduated repayment plan, particularly during a pandemic when federal student loans have been paused or otherwise very easy to make arrangements with is insane. To have my payment go up more than 400 % in the span of one month on a graduated payment plan is intended to put me and my family over the edge financially and otherwise ruin my credit. This will cause a severe hardship for us. This shouldn't be legal. I would like Sallie Mae to offer a reasonable graduated repayment option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home mortgage through Amerisave Mortgage. During the closing process, they required that part of my new loan would include the amount of {$10000.00} to pay-off of one of my student loans through a company called " XXXX. '' I tried to explain to them that all of my student loans were in the process of being transferred from Cornerstone to a new loan provider called " XXXX XXXX ''. Despite multiple attempts to alert them of this issue, they incorrectly made the final check payable to " XXXX and XXXX XXXX. XXXX. '' At this point, I can't do anything with this check and Amerisave won't issue a new check to the correct payee. 

Here 's a timeline of events : XX/XX/XXXX : Began Refinance Process with Amerisave XX/XX/XXXX : XXXXmerisave Requested Information about Cornerstone Student Loans XX/XX/XXXX : I alerted Amerisave that my student loans were being transferred from XXXX to XXXX XXXX and I provided documentation to support it. 
XX/XX/XXXX : Refinance Loan Closed XX/XX/XXXX : Disbursement check issued to incorrect Payee ( Cornerstone ) XX/XX/XXXX No resolution from Amerisave despite numerous attempts to contact.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions 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:
Hello all I am having an issue with the 3 credit bureaus. First and foremost theyre showing multiple accounts on my credit report that were included in bankruptcy as derogatory accounts with balances! This is incorrect reporting on my consumer reports! They say that creditors came back and verified this information as accurate, how could that be if it was discharged in my bankruptcy? It should show discharged with a {$0.00} balance! The refusal of updating the information is a violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on these debts. The negative remarks is causing my credit to remain stagnant. This is a violation of my consumer rights, and it is against the law to report such information on my credit report. I have tried to fix this issue with each bureau, however, they have refused to correct this information. Also, how can something go from reporting as ok to an automatic charge-off because bankruptcy was filed? This is against the law and is being reported inaccurately. Also theyre reporting my student loans as being 90 days late, however, I was never late! I was never 30 nor 60 days for entries to be marked on my credit report as 90 days late only. This is incorrect reporting and is also against the law. Theyre also reporting my bankruptcy incorrectly, each bureau has a different filing date as well as a different discharge date, per the FCRA this is incorrect reporting as each bureau must report IDENTICAL INFORMATION in which theyre not doing and this is a violation of the FCRA!

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 2017-04-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received an alert on my credit report with the XXXX credit bureau XXXX XXXX and XXXX and notice incorrectly information on my correct report. I have contact the original creditor and they do not have my information into their system so this collection needs to be deleted off my credit report ASAP.

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 2022-01-10
Company: EQUIFAX, INC.
State: NC
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:
Despite three written requests, for deletion of three fraudulent accounts sent on XXXX, XXXX, and XXXX ; which have been identified as fraud on my consumer credit report Consumer Reporting Agencies continues to violate Federal Law.

Consumer Reporting Agencies continues to furnish inaccurate and deceptive information without my consent. Consumer Reporting Agencies are invading my consumers privacy and causing me adverse actions. Consumer Reporting Agencies has not provided copies of the original documentation required under FCRA. Consumer Reporting Agencies are noncompliant of the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Issue is with bank of America, in re to checking account overdraft fees. Bank of America assessed the account 2 separate over draft fees, at {$35.00} each, on or about XX/XX/18-XX/XX/18. 

Bank of America claims two separate transactions - one ATM withdrawal and one ACH debit, caused the account to go into a negative balance.

I logged into the Bank of America mobile app 3-4 times on the date in question, and the available balance was always reflecting as a positive balance. None of the transaction that took place on the date in question were for amounts greater than the " Available Balance '' amount that was reflected via the Bank of America mobile app.

The final time that I logged into the Bank of America mobile app on the date in question, there was a positive balance ; not once during the date in question was there a negative, overdrawn balance reflected.

I contacted Bank of America customer service today by phone. The rep I spoke with did not sound confident why the two overdraft fees were assessed. Her best guess was that transactions made on the prior Saturday and Sunday ( XX/XX/XXXX and XX/XX/XXXX ) were being listed as " Processing '', and there was a delay in the charges being " Settled '', due to Monday, XX/XX/XXXX being a bank holiday ( XXXX XXXX ).

After I asked her why was there never a negative account balance being reported online by Bank of America, the rep was unable to answer my question.

I am positive that none of the authorized transaction amounts were greater than the available account balance, at the time the transactions were made. It appears to me that Bank of America held back certain transactions on the account, and applied them the following business day, and processed them in a specific order that caused the balance to be reflected as a negative balance.

I have tried resolving this directly with Bank of America without any success.

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 monetary relief
Consumer complaint received 2017-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I just noticed that there is an address listed on my account, at which I 've never lived. It 's listed as XXXX XXXX XXXX XXXX XXXX tn XXXX. This city is close to where I live but I 've never lived in XXXX before. I did have my identity stolen quite some time ago, but I 'm not sure if this might have anything to do with it because it was so long ago. Any assistance or insight you might provide would be much appreciated. Thank you.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to FCRA 15 USC 1681 credit reporting agencies have to report 100 % fair timely and accurate information. I have since sent in correspondence to the bureaus to remove the inaccurate information and they fail to correct and error as well as remove any account they have yet to verify being mine all accounts are alleged, I have no knowledge of said of accounts and they cant verify anything yet they continue to report it. The dates aren't accurate the payments aren't the same, nothing matches up on my report with these alleged account. They need to be removed immediately.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Despite three written requests, for deletion of three fraudulent accounts sent on XXXX, XXXX, and XXXX ; which have been identified as fraud on my consumer credit report Consumer Reporting Agencies continues to violate Federal Law.

Consumer Reporting Agencies continues to furnish inaccurate and deceptive information without my consent. Consumer Reporting Agencies are invading my consumers privacy and causing me adverse actions. Consumer Reporting Agencies has not provided copies of the original documentation required under FCRA. Consumer Reporting Agencies are noncompliant of the federal law.

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 2022-01-10
Company: Santander Consumer USA 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: Reporting company used your report improperly

Complaint:
Chrysler capital has violated my consumer rights. They are in clear violation under XXXX XXXX XXXX congressional findings in statement of purpose, XXXX XXXX XXXX ( b ) permissible purpose of consumer report, XXXX XXXX XXXX ( a ) definition rules of construction in XXXX XXXX XXXX coronavirus economic stabilization ( cares act ) Chrysler capital has illegally furnish information I did not consent to and this is a violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Bank of America on this alleged debt. 


Sample of the letter that I wrote to the credit bureaus. No response from Bank of America Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

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 2016-02-01
Company: YKS Acceptance, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had purchased a vehicle from XXXX in XXXX XX/XX/XXXX. It was supposed to be a fixed apr of 9.99 %. I had the vehicle until XXXX/XXXX/XXXX, when the computer module went out. instead of fixing it and adding it to our payments, they had us trade it off with less that XXXX left. I had got home and went through or receipts and realized that every year our payments were going up. in XX/XX/XXXX, we paid XXXX $ and by XX/XX/XXXX we were paying XXXX $ a year. Our XXXX had gone up causing us more in our payments without our knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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: Their investigation did not fix an error on your report

Complaint:
I am no longer an authorized user on a XXXX XXXX account that had a 30-day late  payment status in XX/XX/XXXX. I investigated through the authorized user and found that the payment had failed on XXXX XXXX 's end. XXXX XXXX apologized, processed the payment, and reversed the late fee on our statement. I was informed in XXXX by XXXX that I had a 30-day late payment on my account from XXXX  XXXX when I assumed it had been removed. XXXX XXXX guaranteed me over the phone several times they would correct it in their system and make sure the 30-day late would be removed. I disputed this with both XXXX  and Equifax. The XXXX dispute processed almost immediately and removed the negative information and the XXXX XXXX account completely off my credit report, the correct decision. Equifax dispute returned a remark of " Account previously in dispute - Now resolved by data furnisher '' rwith the 30-day late on my credit report showing me as an Authorized User as of XX/XX/XXXX, which I am clearly no longer an authorized user. Their system is inaccurate and false reporting. This account needs to be completely removed from my Equifax history. This is not my account though they keep reporting it as such. Now that I am not an authorized user, XXXX XXXX refuses to talk to me about this matter so now I am helpless. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I, XXXX XXXX, at XXXX XXXX, XXXX MD XXXX, and I am a Capital One customer who is UNEMPLOYED. I have received reports from my neighbors that some irate man has been coming to my house, bypassing the intercom, aggressively banging on my door, during times when I was out at an interview or a skills enhancement session, leaving a no information business card containing my name and a number to call, see attached, in the crack of door stating to be from the XXXX Court of Maryland. Feeling harassed and upset I called the XXXX Court of Maryland and was told that Capital One filed suite in XX/XX/XXXX against me for approximately {$1800.00}, XXXX, although I was laid off from my job in XX/XX/XXXX 

I am UNEMPLOYED. Why are they treating me, an unemployed female, so extremely unreasonably poorly? What does Capital One expect to achieve by handling my being unemployed this way?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
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: Their investigation did not fix an error on your report

Complaint:
Dear Mr or Mrs , My name is XXXX XXXX address is XXXX XXXX XXXX XXXX CA XXXX   SSN # is XXXX I started working to fix my credit on XX/XX/2018 with XX/XX/XXXX, XXXX  and Experian until now XX/XX/2018 still not done yet!! I have become a victim of identity thief as the perpetrator used my name and social security to create bank accounts without my knowledge.

I already done with XXXX.

XXXX still working on it.

But Experian seem like they don't really care about my case. I don't remember how many call i had, who i spoke with and a lot of paper work send to my house. I was stress out.

I ask Experian for my credit report and received a report # XXXX for XX/XX/18 ( this is my second one i requested ) and i pretty sure i went to their website and dispute that account online and called dispute center to told them they need to start an investigate that account because it's not belong to me and they said it ' going to take around 30 days, ok i wait and keep checking my credit report online and today XX/XX/2018 at XXXX XXXX i called dispute center of Experian to ask what happen to the investigation and they said it's going to start today and i need to wait 30 days more. WHAT??? that's mean they did not not do anything to help me resolve my problem at all after i got my second report on XX/XX/2018.

My credit limit was lowered by 80 % and I can not do anything until this case is resolved. I was on the brink of buying a house for my family but due to this, I am forced to withhold the joy for my family. I am holding you responsible for this matter when it could have been dealt with at the beginning.

I willing to work with them to fix it but just let me wait for nothing.

I don't know how is this credit systems work but if Experian does not take that seriously please let me out of their systems because the way they work is hurting me so badly i don't see any benefit at this point.

Who going to help me out with this mess. After wait for 30 days for investigation and another 30 days is coming who going to guaranty with me this is a last 30 days.

Sincerely,

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 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Transunion advertises that they charge {$1.00} for a credit report and there is a large receipt that they provide boldly stating {$1.00}. In small print below which is difficult to see, they state that they will also now start charging $ XXXX/month for credit monitoring. They are engaging in underhanded behavior here and taking advantage of consumers. When I called Transunion to cancel during normal business hours, they put me on hold and then hung up on me. I had to cancel the unwanted recurring fee through my credit card company. Thank you for addressing this issue.

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 monetary relief