BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I went to XXXX school back in XXXX and received a loan from Sallie Mae for the amount of {$8000.00}. I made payments to Sallie Mae until the loan was paid off at the end of XXXX. I never received paperwork or anything in the mail showing a payoff of the loan. I moved to the east coast from XXXX XXXX to XXXX in XXXX and thought the loan was paid off and in XXXX they garnished my husbands federal tax returns through a company called Navient and sent the rest of this bogus loan amount to a collections company out of XXXX XXXX called XXXX XXXX XXXX. 
Tried calling Navient to figure this loan amount out that was already paid and I get no calls back. XXXX XXXX say they are collecting on Sallie Mae 's behalf also, but nothing is on my credit report regarding student loans or these amounts. Navient has took my husbands XXXX & XXXX tax returns totaling over {$5000.00} and now I need some help getting this debt that was paid removed before they try and garnish his wages too. They are liars and crooks and they are ripping off the hard working American people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I filed a complaint # XXXX as XXXX has stopped computing and publishing my FICO score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my FICO scores for 7 months now. After investigating with HSBC US NA Bank, where I do have a Premier XXXX account since XX/XX/XXXX with ( statement attached ) XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX ( attached ) from HSBC US bank certifying that they do properly report to XXXX all my financial payments. In addition, I can see some of my financial data appearing within my online XXXX account ( scree capture of today attached ) where the year XXXX and XXXX are fully missing. This is the proof that XXXX  knows about my account at HSBC US but do not investigate on the failure cause and resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute on XX/XX/XXXX for a fraudulent charge to my debit card. Key has sent me no documents and I've literally spent countless hours attempting to reach their dispute department, unsuccessfully. I have been blocked on multiple occasions from reaching this department and asking the direct questions I need answers to, asked by the police department. The XXXX police department has now also filed theft charges against me per the person committing fraud against me, XXXX XXXX request. She has been threatening me and harassing me by phone the entire month. You have done nothing to stop this or protect me. I've reported every incident to you. You have failed to document any of it. 

Key has failed to act on my behalf to protect me in the slightest, and document the FALSE CRIMINAL CHARGES ALLOWED TO BE FILED AGAINST ME AS A RESULT. The XXXX police officer XXXX filed case XXXX against me with the DA 's office. XXXX  PD number XXXX. 

I have been on hold today for almost two hours and the supervisor XXXX hung up in my face after taunting me in a belligerent manner for over 20 minutes. He refused to answer any direct questions and blamed the entire scenario on me, the victim, many times over now. I still have received no documentation regarding the dispute. 

The police asked me, and I still need answered, how much was charged to my card on XX/XX/XXXX? How did she wipe out my account to XXXX? What is the ACTUAL AMOUNT FRAUDULENTLY CHARGED TO MY ACCOUNT ON XX/XX/XXXX? I need to know the amount attempted. Not ACTUAL AMOUNT, BECAUSE OBVIOUSLY I KNOW THAT AMOUNT. 

WHAT WAS THE ACTUAL CHARGE ON XX/XX/XXXX? If it was ACTUALLY XXXX, Why did she know the exact amount left in mt account and take it without authorization?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
It is believe that a group of individuals would like to implicate me in a financial crime for which I'm a totally and completely innocent of. As I take steps to try and protect and insulate myself for fraud by attempting to close none operating / obsolete accounts, I'm having a hard time closing PayPal Business acct ending in XXXX. After 3 conversation each lasting more than an hour I still don't know is the account off or not which has been my request since before I spoke to XXXX XXXX XXXX office in XX/XX/2020 regarding weird activity. Either because the account was setup incorrectly regarding my name or the name was changed, I can not get past verification. Also I find out thru the automated system after speaking to customer ( XXXX ) service for over a hour to gain access that there is a primary and a SECONDARY card that I knew nothing about. This entire situation is frustrating and I need account close. I only used it twice last year and ordered it at the request of broker and I have been trying to close it ever since.

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 2020-09-23
Company: TFS FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/2020 I spoke with loan agent NMLS  # XXXX. We discussed general refinance qualification criteria including DTI ratios. She did not disclose a requirement of DTI 36 %. The number she mentioned was 45 % per my notes. She did not disclose their new income criteria requirements that have changed due to covid. Would I have known these requirements, I would have not proceeded with an application and letting her run our credit inquiries. Through their underwriting process, they determined our DTI was well above 36 % thus, declining our application. I spoke with a different agent on XX/XX/2020 by the name of XXXX and she indicated a DTI requirement of 36 % - 40 %. I proceeded to escalate this to a manager with NMLS ID # XXXX who again provided me a different DTI ration requirement of 36 %. I requested transcripts of the calls to verify the agents prior communications and the manager with ID # XXXX indicated they did not have the ability to record voice on their recordings. I asked whether this was not a violation of their policy to record all phone calls and she refused to take accountability and insisted they had no ability to record calls with voice. There should be consequences for such unethical business practices where they practice this 'bait and switch ' scheme. If agents are rated on number of applications submitted I can understand why they will lie in order to get consumers to apply not caring entirely whether an application is approved or declined. Please bring this to their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
WE HAD SEVERAL AUTO LOANS WITH SANTNDER USA TO WHO OVERCHARGED FOR GAP ETC ALONG WITH CLOSING ACCOUNT FEES AND EXTRAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I filed a complaint # XXXX as the credit bureau was not publishing my financial score to lenders. As already described, I have since suffered various adverse responses due to this failure to compute and to my financial scores. After investigating with XXXX XXXX XXXX Bank, where I do have a XXXX XXXXXXXX account since XX/XX/XXXX with ( statement attached ) XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX ( attached ) from XXXXXXXX XXXX XXXX certifying that they do properly report to the credit bureau all my financial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
information in correct

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 2021-07-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried on numerous occasions to file a dispute with Experian but they always send me a letter stating that they will not do an investigation which is my right by law. I have attached the letter that they have recently sent when I filed a dispute with them. I am trying to correct my report and they are making this a problem. 
The items are XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and 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 explanation
Consumer complaint received 2018-12-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone has been using my personal information to open bank accounts of current accounts and savings open fraudulent accounts = Wells fargo, XXXX XXXX XXXX XXXX  and XXXX XXXX .. I do not recognize these accounts please delete my information with these companies ..

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 2020-06-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dear to whom it may concern, My name is XXXX XXXX, I have been trying to report about inaccurate accounts in my credit report but the credit bureau has always intended to avoid their responsibility and none of my request has been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this investigation withins 30 days. 
**Name Reported** _XXXX, XXXX , T this name is incorrect, My only correct name is XXXX XXXX. Please delete it!!! 
**Address Reported** _ XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX , OH XXXX These address are incorrect, I have attached proofs of my current address below.! 
**Employment info** PRIME This employee is not belong our business so please delete it!!! 
**Credit Card** _ XXXX XXXX XXXX XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX Opened Date XX/XX/XXXX The account balance show {$11000.00} when the amount past due is {$7700.00} **Collection** _ CHLD SUPP VA Opened Date XX/XX/XXXX How can there by $ 428 monthly payment in a charge off account. The balance is XXXX $ and past due amount is {$40000.00} in Transunion while the balance is XXXX $ and past due amount is XXXX in Equifax report. Delete it immediately!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
**Collection** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This charge off account is not mine please delete it as it is not belong to me, you have to provide me full documentation VIOLATION COUNT XXXX [ XXXX XXXX. XXXX ] ( a ) There are several items on my report that are not legally allowed on my report **Credit card** _XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account is not mine. I do not have any financial obligation with them. Please delete it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased a phone with XXXX Store Financing ( Synchrony ) on XX/XX/19. XXXX advertised I could make the minimum payment ( $ XXXX/month ) for 24 months and not be charged interest. 

Under the same account I bought a XXXX XXXX XXXX for {$250.00} on XX/XX/19. I assumed the same terms applied to this purchase. Since I signed up for auto-payment and paperless billing, I was not reviewing account activity. 

Recently, I was charged {$45.00} in interest that I was told was the accrued interest for the XXXX XXXX XXXX. This translates to 17 % of the principal that I was charged over just 6 months. Apparently, they had signed me up for a 6 month deferred interest program without my consent or acknowledgement at the time of purchase. 

Balloon payments like these need to be expressly advertised at the time of purchase. This is the definition of predatory lending. Had I been aware of these terms, I would never have made the purchase.

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 2018-12-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX   against XXXX XXXX and XXXX XXXX, So far I have been fighting the bank and legal system and is getting nowhere, The Bank previous attorney XXXX XXXX in and around XX/XX/XXXX entered into a settlement agreement with the New York State Attorney General Office and paid a fine of {>= $1,000,000}.

My case is just a number for Judge XXXX XXXX XXXX and XXXX XXXX XXXX, No one wants to spend the time to review my case and as a result of this my house was sold back to the bank and I was served many notices to vacate the property on XX/XX/XXXX I kept hiring and paying attorneys and accountant to modify my loan, it was always rejected, my original loan was {$580000.00} and the bank sold it to themselves through the referee for {>= $1,000,000}, This is big business for the bank and Attorneys, no wonder they would not modify my loan.

The bank has been taking advantage over my situation and the courts have cut off my rights to defend myself. The Plaintiff never resolved my pending answer since XX/XX/XXXX and convinced the court that I never appeared.

I request that someone-one with a sound ethical standard review my case and stop this foreclosure process. I need to have a home to live in.

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 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FTC Violations I never live at these addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX PASS XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Names is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX - CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERVICES CAPITAL XXXX BANK 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 explanation
Consumer complaint received 2021-07-18
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021 I realized American Express had suspended my ability to redeem reward points. I contacted customer service and inquired about the reason. Both an online chat representative and a phone representative were not able to provide information about what triggered the suspension of my account. The only information that has been provided is : " We are currently reviewing your account to ensure that you have complied with our terms. We have suspended your ability to redeem. If we determine that you didn't comply with our terms, we may reverse your Welcome Bonus ( if applicable ) or take further action on your account. '' I currently have over {$800.00} worth of rewards that are suspended and, despite attempts, have not been able to contact someone at American Express that can explain why the account is suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didnt give consent to flex finance to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. XXXX  XXXX is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. 
XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. 

I am asking XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00}

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 2020-06-29
Company: EQUIFAX, INC.
State: FL
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:
I requested in 2018 from XXXX XXXX attempting to collect an alleged debt owed to XXXX when they had repurchased the debt that XXXX XXXX provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. As well proof of original debt including but not limited to date of last payment made on account and details for the alleged debt. 
I never received any of the information requested. 
After disputing the information, The credit bureaus failed to confirm the date of alleged debt well exceeds 7 years and refuses to correct the inaccurate information and continues to treat the matter as a current debt every time the account is resold even though this is past 7 years and has been disputed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 tried to update my personal information ( address ) by mail. I have not received a response or any update.

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 2018-12-24
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Nine months ago on XX/XX/2018 I opened an XXXX XXXX Credit Card account and it is not showing up and my Equifax Credit Score report. I asked XXXX XXXX XXXX to fix this problem and they didnt.

Company response to consumer: Closed with explanation