BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian and XXXX XXXX are not reporting my XXXX XXXX XXXX and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.

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 2022-04-29
Company: Open Dealer Exchange, LLC
State: NC
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:
The dealership allowed many lenders to pull my credit at once And I wasnt aware

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my mind your company does not seem to have a problem with harassing individuals with erroneous debt. I never agreed that I owe any money at XXXX XXXX XXXX  because I do not. As I previously mentioned, I do not know if that address exists. I never lived at that address and if you put any debt amount for that address on my credit at any time, I will take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: FL
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 with product or service terms changing

Complaint:
Because of the Equifax data breach I enrolled in their TrustedId monitoring product. I was supposed to get an email to complete my enrollment within 2 days. It took over a week to get the email and when I tried to complete my enrollment I got a message that I might have already completed my enrollment. I know I did not do this - it made me worried someone else created the password for my account. I tried to go to trustedid.com via the link on the page and the site will not even launch. I tried to call equifax so many times and the call never goes through and they tell you to go back to their site which either does not load or crashes. I am worried that my identity is now even more compromised than it originally was because of their data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX I Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This student loan has reached its statute of limitation date open was XXXX/XXXX/2004. I would like for it to be moved to the satisfactory accounts on my credit report. And if not I need it removed and delete it from my credit report. It should not be reported under adverse accounts. The statute of limitations is seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have argued numerous times that XXXX/Sallie Mae Tuition Answer loan was discharged as part of my 2017 chapter XXXX bankruptcy ( see attached ). They have collected monthly payments since then as part of the charge off, they have been reporting my account as late each month since then to the various credit agencies even though Ive been paying their agreed upon monthly payments. As per a number of recent cases, it has been determined that in fact the Tuition Answer loans were dischargeable. 

The rulings state ( excerpt summary ) : The sole question is whether the student loans constitute an obligation to repay funds received as an educational benefit, since Navient didnt argue that the student loan fell in either the first or third categories. 

The court embarked on an analysis of stautory interpretation of the U.S. Bankruptcy Code to determine the underlying meaning of the operative words in the text. 

The term educational benefit is undefined and potentially vague. The court concluded that the terms should be interpreted in light of its listed companions, suggesting educational benefits means conditional grant payments similar to scholarships and stipends. Since scholarships and stipends generally dont have to be repaid, the plaintiff in this case isnt required to pay these private student loans. 

FURTHER, the below was mentioned : Sallie Mae XXXX XXXX loans are considered non-qualified student loans, which means they are eligible to be XXXX through a bankruptcy. These loans are above the cost of attendance to help students have money to live on while they go to school. 

If you have a Tuition Answer student loan discharged in bankruptcy, but Sallie Mae or its representatives attempt to collect on these same loans after the bankruptcy, those collection attempts could be in violation of federal bankruptcy laws. 

The Fair Debt Collection Practices Act ( FDCPA ) prevents lenders and debt collectors from trying to collect on debts that have been discharged in a bankruptcy.

If you have had a Tuition Answer Student Loan discharged in a bankruptcy, but the debtor or its representatives continue to try to collect that money from you, you could be deserving of compensation for violations of the FDCPA. 

When you file bankruptcy, you are protected by law from the borrowers of the loans that have been discharged. They can not make future attempts to collect on debts that have been discharged. Lenders and debt collectors can be held liable for willful violations of the bankruptcy discharge order if they continue to harass you to collect payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
CitiBank dropped my credit limit by {$7500.00} on my two credit cards ending in XXXX and XXXX in a letter dated XX/XX/XXXX. 
The card ending in XXXX was reduced from {$3000.00} to {$500.00} and the card ending in XXXX was reduced by {$7000.00} to {$2000.00}. 
My card ending in XXXX was opened around XXXX - XX/XX/XXXX. 
The letter indicated that XXXX  reported my credit score as XXXX on XX/XX/XXXX. But my XX/XX/XXXX XXXX XXXX was around XXXX as per the XXXX XXXX report. My credit score never dropped by XXXX points in 1 day! 
I called the customer service of Citi bank and they asked me to open a complaint with XXXX. I called XXXX  and they mentioned they can only give me my 'current ' credit report and not any historical report. XXXX  can open a complaint only for a mistake on the credit report and started asking money for historical reports. 
I notified Citi Bank and they asked me to send the XXXX XXXX report to a specific address. 
I sent 4-5 letters to Citi Bank and all were sent with XXXX priority mail and tracking showed that all letters were delivered from the past 6 months. But Citi Bank didn't respond by letter to any of my letters. 
Because of the actions of Citi Bank and a bad response to its long-term customers, my overall credit percentage compared to credit limit increased that impacted my credit score. My credit score reduced by this massive drop. Other credit cards followed the suit and the credit limit further dropped by nearly {$10000.00}. 
Other things they mention in the letter is that generic statements saying my card balance on other credit card is high. Question is, how does Citi Bank know if the other credit lines I have are with 0 % APR or not? You look at credit cards with your bank first and see how much effort I had made to pay off the Citi Bank cards and improve

my credit score. The action of Citi cards only indicates
that they do not want consumers to pay off their credit cards.

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 2017-09-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the XXXX time i have used this system to no avail to get help.the same person XXXX XXXX keeps answering i have asked not to she thinks she is a lawyer and has successfully aruged that NO noi was issued prior to filing foreclosure. something i will pursue. i need a phone call PHOTOCOPIES OF PREVIOUS ANSWERS HAVE DONE LESS THAN NOTHING TO ADDRESS COMPLAINTS AND I AM ASKING CFPB TO MAKE SURE THAT THE SAME PHOTOCPYING DOES NOT HAPPEN AGAIN. I NEE SOMEONE OTHER THAN XXXX XXXX TO CALL ME AFTER XXXX EASTERN TO DISCUSS REMAINING ISSUES. WELLS FARGO REFUSED ME A MODIFICATION AND FILED FORECLOSSURE AND SUPPLIED NO NOI. I WANT HELP THE MOST IMPORTANT PART OF THIS NEW COMPLAINT WHERE PREVIOUS HAVE DONE NNOTHING TO RESOLVE ISSUES AS ALL I GET ARE PHOTOPCIES OF PAPER THAT TOO RESOLVED NOTHING. IS THAT I NEED HARDEST HIT PROGRAM IN NJ TO AT XXXX GET A PAY OFF FIGURE FROM OR A WHAT IS OWED FIRGURE FROM THIS BANK BEFORE NJ SAYS I OWE TOO MUCH. TOO LONG A WAIT. DO THAT TODAY NJ XXXX NEEDS A PAY OFF FIGURE. DO THAT TODAY THEY SENT REQUEST XXXX TIRED OF RED TAPE AND I WANT SOMEONE OTHER THAN MULDOON TO CALL ME TO RESOLVE OTHER ISSUES fui NO ONE ANSWERED qwr FILED IN 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 2017-09-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Account # XXXX Property Address : XXXX XXXX XXXX, XXXX, MD XXXX This new Complaint is a rebuttal to Wells Fargo 's response to Complaint XXXX and others subsequent to it. 

Here I made two critical complaints, among many others. I complained that I was denied loan modification because my application showed ability to pay. I challenged Well Fargo that this was not a ground for denying loan modification. Notwithstanding this outrageous reason for denying loan modification, I confronted Wells Fargo with the actual reason for denying my modification application. I was told the real reason was the equity. When did Equity become a lawful ground for denying modification? Please ask Wells Fargo to explain why it used the equity in my home as a ground for denying loan modification. 

I learned that Wells Fargo used HTI ( Housing To Income Ratio ) to deny me loan modification. HTI uses gross income in making its calculation. My gross income when Wells Fargo denied my loan  modification in XXXX 2016 was {$11000.00}, half of which were business expenses. I am XXXX. Using HTI automatically disqualifies me or any other self-employee person because it gives a falls impression of my income. Had Wells Fargo deducted the business expenses, such as condo fees from the rental property and other costs, I would have fallen within the HTI approval range. It was using this voodoo method that Wells Fargo succeeded in stripping self-employed borrowers like me of their houses. They should go back and use my net income, not gross income.
Second, I complained that Well Fargo failed to credit my payments and that the loan balance was wrong. I have letters in which they denied that I made payments, then I confronted them with the evidence. Faced with the evidence, they said the payments were not credited because they were made pursuant to a modification trial plan. I challenged them that I was never granted a modification, let alone a trial plan. I want Wells Fargo to produce evidence of the loan modification that I signed upon which a trial plan was based. Unless Wells Fargo fabricates one, consistent with its corporate culture of fraud, none exist. Let Wells Fargo produce the evidence. I want Wells Fargo to explain why they failed to grant a loan modification after a trial plan, which they claim was where my monthly payments of more than {$70000.00} in the last three years went.

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 2022-04-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
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:
On XX/XX/2022 my account with Nissan was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : Nissan Motor Acceptance Company, LLC Client Account # : XXXX Our Account # : XXXX Original Creditor : Nissan Motor Acceptance Corp This letter acknowledges the receipt of payment ( s ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. 
Amount Paid : {$760.00} Date Resolved : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX an unknown individual walked in to a Navy Federal Credit Union branch, claimed to be me, and was able to withdraw {$8000.00} from my savings account. Navy Federal themselves became aware that it was fraudulent that day and called me to alert me of the fraud. A police report was filed. I submitted documentation to Navy Federal ( Form NFCU 82 ) on XX/XX/XXXX and again on XX/XX/XXXX stating that it was not me who withdrew the funds. It was confirmed via phone on XX/XX/XXXX that NFCU had received the documentation via their app. The funds were not refunded to me. I have spend roughly 5+ hours on the phone with Navy Federal to have them refund the account, three times I have been on the phone for over an hour only to have them disconnect on me. There has been zero progress as far as refunding the money. On XX/XX/XXXX I received a notice from NFCU stating they had received my submission ( form XXXX ) of fraud and that I would have a response after 10 business days. It has been 10 business days and I have not received my funds or a response. I have no further option than to pursue legal action. It has been 49 days since my NFCU fraudulently gave my money away and they have yet to return the money or communicate a plan to return the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26
Company: CITIBANK, N.A.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Citi ThankYou Preferred Card, and I think the way they apply my minimum payments is completely unfair. 

I have two different balances/amounts on this card, the first being approx. {$630.00} which is at 12.99 interest currently, when the 0 % promotional rate for this amount expired on XX/XX/XXXX. 

Now, the second ( newer ) balance is approx. {$3400.00}, from when I accepted a 0 % promotional balance transfer offer a few months ago. 

The problem is that when I submit my minimum payments to this card issuer, instead of applying the payment to the older balance ( the {$630.00} ) which has an interest rate of 12.99, they are applying basically the full amount to the {$3400.00} ( the newer one at 0 % ), so I 'm essentially stuck with the inability to pay off the part of my balance that is subject to interest. Unless I just get rid of ( transfer off ) the whole thing, which I would really rather not do, since I 'm getting 0 % on most of it.

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 2020-11-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
What is this complaint about? 
My Synchrony credit card ( pep boys ) closed my account due to a high balance on my credit card and that I was over the credit limit by {$79.00}. Synchrony credit card fear due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk As of XX/XX/XXXX, I have a balance of {$2400.00} and I have been with Synchrony bank since XXXX I have never missed a payment never late 30,60, or 90 days. I made all my payments on time ( I enclosed a copy of my payment history from my credit report ) What type of problem are you having? 
The problem I'm having is due to the fact of synchrony bank closing my account my credit score went down 22 points causing me not to be able to apply for other credit due to a low score rating. 
I am attending college and I need to apply for a student loan this grievance of lowering my score by 22 points affected my ability to further my education and or apply for further student loans due to my credit score being too low. 

What happened? 
The actions that were taken by Synchrony bank : Synchrony bank closed my account on XX/XX/XXXX after checking my credit score. 
According to Synchrony bank they claimed my score was XXXX on XX/XX/XXXX which they said was too low and that I was a high-risk customer. 
Synchrony banks fear is due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk clientele, which is clearly discrimination of my ability to be a valued client. 
Synchrony bank pulled my credit score from XXXX XXXX Credit Bureau on XX/XX/XXXX which XXXX XXXX gave an inaccurate score of XXXX. 

What company is this complaint about? 
Synchrony Bank ( pep boy credit card ) Who are the people involved? 

Myself Synchrony 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 2019-11-19
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I got a XXXX service, they promised a " Credit '' to my balance since I switch to XXXX. 
Every time that I asked to a representative when this credit will be reflecting on my balance or account, they always said the credit will reflect in the next billing cycle. 
That never happened, and when the contract finished, I asked for the credit to pay off the balance, the managers that I spoke to agree to apply that credit to pay off to reduce the balance to {$0.00}. 
Now I found that XXXX placed an account for {$1800.00} dollars to a debt collector named Diversified Consultants , Inc . Here is an unfair marketing practice to get client with false promotions. 
I contacted Diversified Consultants in 2 different times thru regular mail, I asked for the validation of the debt, and itemize stamen of the collection account, a copy of the signed contract and all the charges and payments made in the account, but I never received a response. The real reason of my complaint its to get a validation of the debt since the debt collector is ignoring my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I filed a claim With chase over a atm withdrawal of XXXX dollars on XX/XX/2022. My claim number was XXXX have proof as well another atm transaction of XXXX on Friday XX/XX/1241 am was tried. And I replied no at XXXX am. Who was at the bank at XXXX am trying to use the atm there was no duplicate card. No one has my card but me I was home sleeping at that hour with my debit card in my wallet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversify consultant has been calling me numerous times every day regarding the dept that I did not owned. I know I had a very clean and good credit records. They asked me to release my personal information and I denied. I requested them to remove my phone number from the list but they still continues call and harrash me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX Navient prevented me from receiving a lower rate. When the interested rates were changing refused to release my loan information to the lender from the government who promised to lower my loan. I am not XXXX in debt. One loan was XXXX it is now over XXXX

Company response to consumer: Closed with explanation