BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I received paperwork from Wells Fargo approximately in XXXX of 2009 regarding a private student loan that I owed. When I contacted Wells Fargo regarding this student loan account they had no information to provide to me. They could not tell me how/where they obtained this loan from, when they " bought '' /obtained this loan, etc ... Since that time I have contacted Wells Fargo on numerous occasions asking about this loan and received the same " answers '' over and over again. No information has ever been provided to me about this loan, or where this loan came from. I get a monthly statement that I have continued to pay out of fear of collections or negative impacts to my credit score. I have also contact Wells Fargo numerous times requesting my monthly payment to be lowered due to my income, housing bills and being a single mother. They have told me over and over again that because this is a private student loan they have nothing to offer to me that could help me lower my payment nor do they have any obligation to offer me anything because it is a private loan. I never once received any loan disclosure statements, never once did I sign ANYTHING for Wells Fargo for a private student loan, nothing at all that would make me feel like they obtained this " loan '' on the up and up, so to speak. My biggest concern here is if this account is even legitimate or if I somehow have been affected by this huge scam of fake accounts that has been brought to the attention of the public. If I have been affected how would I know? Who would I contact? Where would I go? If I have n't been affected or " scammed '' what are my options for help with private student loans? I really need help with this and help with trying to figure all of this out. Thank you very much for your time.

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 2018-11-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have had a safe deposit box at a local Chase bank for the past three years and based on my interaction with a bank agent today I have to wonder how they are able to function with so much misinformation being spread by their agents. I went to the bank last week and made a partial payment for my safe deposit box and was told I just need to pay the remainder of the cost by the due date which is this coming Saturday. I also learned that in order to qualify for a discount as a Veteran I would need to open a personal checking account, which I did when I made the payment. 
the agent who called today seemed to be clueless about all of this and told me that I do not have a personal checking account with Chase and therefore will have to pay the higher cost. She also told me I would be charged a fee ( she received an email from one of the corporate offices about this ) for not paying the full amount. 
This has got to be stopped and it reminds me of a similar situation two years ago when I cam in and paid the fee with cash and subsequently kept receiving notices telling me I didn't pay the fee. How can a major bank get away with all of this nonsense????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: Mutual Management Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called this company many times and have told them that the information reported on my credit report is not accurate and does not belong to me. Yet they have taken no action and continue to report the inaccurate information on my report. They threaten to increase reported amount of I do t pay them. Unnecessary threats are being utilized as a tactic for them to receive payment for something that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/20 my husband and I both received medical bills from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$27.00} and {$200.00} ). Both bills were paid in full on or about the same date from our HSA at XXXX by check. Both checks had the correct acct # on them and were cashed. We received another bill the following month showing these amounts still outstanding. I made phone inquiry and was advised to send the canceled checks to XXXX @ XXXX  which I did. She advised that she could not make the correction but would send it up the chain. I was told it could take up to three months but since they had the canceled checks it would not be sent to collections. I continued to follow up periodically and the same assurances were made. On XX/XX/2020 my husband and I both received letters from a collection agency, American Adjustment Bureau Inc. claiming {$7.00} and {$52.00} were due. Our online accounts show : a " XXXX XXXX XXXX '' credit and " Bad Debt Collection '' amount due in the same amounts as the letter. We have both submitted a written dispute with supporting documentation. I'm certainly frustrated with the process and concerned about how this will affect our credit. I'm also concerned others may be facing the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from XX/XX/XXXX, XX/XX/XXXX and Experian. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s )  would be removed but, XXXX, XXXX and Experian has failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries 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 2018-11-20
Company: EQUIFAX, 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:
This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from XXXX, Equifax and XXXX. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s ) would be removed but, XXXX, Equifax and XXXX   has  failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: National Recoveries, Inc.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I have contacted XXXX XXXX XXXX located in MN, because after I didn't receive my taxes I contacted the it's, which gave me the number to the bureau of fiscal services, who finally gave me the amount that was suppose to be garnished, and then they gave me the number to National recoveries. they had told me they had sent something to my job in XX/XX/XXXX about starting garnishment on my wages. I no longer work for that job. My main complaint is that I didn't receive any letter informing me of a wage garnishment, and I didn't receive any information about disputing the garnishment. I didn't even know I could dispute this, untill I looked it up on the bureau of fiscal services website.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo foreclosed on my home after it had lost 50 percent of its value. They would not work with us on refinancing the loan, although they claimed to be. They constantly lost paperwork and changed agents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Scheduled final payment of {$750.00} to be withdrawn from acct on XX/XX/2020 After talking with my partner we decided to make our final payment of {$750.00} on XX/XX/2020. On XX/XX/2020 OneMain withdrew {$750.00} from our acct. I was not given a reason why only that an overage check was approved on XX/XX/2020 but company policy said there has to be a 14 day waiting period before my check is mailed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
These items have been investigated by both the police as well as the credit bureaus and proven to be fraudulent. These items have since been removed from all 3 accounts but is now showing up again on my Equifax report as well as XXXX as a closed account. These fraudulent accounts appearing on my report is now harming me from properly utilizing my credit. These items need to be removed and blocked from being able to re-appear on my report at a later date as they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a fraudulent charge from XXXX XXXX, on my business card, in XX/XX/2018. I filed a dispute with my credit card company ( XXXX/XXXX ) They immediately removed the fraud charge, cancelled my card and sent me a new card, new account number. Great! Then in XX/XX/2018 I see a charge on my new card for XXXX XXXX and I call my bank to let them know that this is not my charge, They tell me that the charge went back on because of the " card updater program '' and even though it was originally a fraudulent charge and was returned to XXXX along with a penalty they were able to charge my new card, because the original fraud charge had been a recurring charge. So i called XXXX and they would not do anything because they had to send me a code to my XXXX account, which I do not own an XXXX account, because it was fraud. Now I have to cancel my credit card again. I was told there is no way to opt out as a consumer from this program. So in closing, the consumer, who is paying has, no rights when it comes to the " card updater program ''. and that should be illegal.

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 2020-06-30
Company: College Foundation, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XX/XX/2020 I called to get a deferment and was giving the run. I was told that I received one several years ago and was not allowed another one basically giving me the run around. Then the pandemic hiy and I have since called on several occasions and can't get through. I understand the pandemic we are living in however I received a letter XX/XX/XXXX advising that my payments will resume and they have nothing to do with COVID-19. Unfortunately a lot of people are struggling during this time its hard enough trying to keep a roof over my head, food on the table and clothes on our backs. I need a deferment and I can't believe during this time College Foundation is using unfair practicing to either force people to pay or ruin their credit. They love to send stuff to the credit bureau that's another topic all by itself also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). On 07/09/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on 07/09/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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:
Accounts that are not mine are being reported on my credit report XXXX there is no balance but this account does not belong to me. 
XXXX XXXX  balance {$750.00} being reported but account is not mine. 
XXXX account does not belong to me. 

Paid for deletion and is still being reported : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$180.00} XXXX XXXX  was included in bankruptcy but still being reported negatively. 
XXXX XXXX XXXX payment history being reported inaccurately. 30 day late payment. Account was never late.

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 2018-09-11
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I contacted XXXX  XXXX credit and questioned them about my 0 % introductory APR. I had been being charged interest on my purchases and wondered why. If you go to the website like me, I saw a specific line that said 0 % introductory APR for 12 months. This was the reason I opened the card. I was told over the phone that this only applied to balance transfers. When you look at the website, you see were they write about the balance transfer APR. Directly below the bolded balance transfer info there is another bolded statement that says 0 % introductory APR for the first 12 months. I assumed that to mean that this meant upon account opening on all purchased items. Ive taken a picture of the website so an official could review the writings and misleadings. I feel that the marketing trick here was to bait me into believing it meant on purchases and balance transfers with the use of separate lines in bold on the website. I wish to have what I believed I would receive which is 0 % APR for 12 months on all purchases. Thank you for looking into this scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: Ad Astra Recovery Services 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:
I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor  they stold me all my information and make lons and i have problems now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Navient Solutions, LLC.
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX To : Navient Cc : EU courts In response to your E-correspondence # XXXX, XXXX, XXXX and " 5.Lender 3 rejection.pdf '', I request that you put this loan in extended forbearance to give EU courts time to handle this case. The extension of three months is not enough time and, as you, yourself, stated before, the XXXX University XXXX XXXX ( XXXX ) lost its U.S. accreditation in XXXX. As of XXXX, MUL is not on the list of approved schools ( see the XXXX list ). Hence, the deferment option is not possible. 


In this letter, I want to also shed some light on the U.S. student financial aid system for EU courts. You wrote on XX/XX/XXXX : " We are not able to respond to any information or guidance provided by a customer 's school, financial aid advisor or other financial advisor. '' and then you argued that the student and its co-signer are responsible no matter what. 


For this loan to be processed and approved, by Sallie Mae Bank ( represented by Navient ), the signature of the school was required on a document called " loan certification ''. This flaw in the system allowed the school to demand, mis-guide and force the student to inevitably select Sallie Mae Bank. Although Sallie Mae XXXXNavient repeatedly claimed that they had no role, it is not credible. 


I and other students did prefer and did request for the better options delineated in your letter dated XX/XX/XXXX. Since it was only the school that could make the final decision, Sallie Mae Bank was the only option. 


It appeared that Sallie Mae Bank had signed an exclusive strategic deal with XXXX, which in turn was used to pressure students to buy this loan or face expulsion from the school. 


As for your reports sent to U.S. Credit Reporting Agencies, to threaten me and the co-signer, they are invalid, as this transaction happened outside of U.S. Territories, as per responses from the Consumer Financial Protection Bureau in the USA. 



Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion on XX/XX/2018 Report Number # XXXX has on my XXXX XXXX XXXX  Statement # XXXX as {$30.00} Dollars paid when there was {$50.00} paid for the month every month for the past 4 months there has been wrong amounts by TransUnion to what I'm paying and I have uploaded proof by XXXX XXXX XXXX as to why the amounts by TransUnion differ as mu other credit cards are the same issues I'm not paying as the Scheduled Payment amount.

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