BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
There are XXXX closed accounts for Student Loans on my credit report from Wells Fargo that I did not open.This happened in 2010.

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 2017-08-15
Company: Experian Information Solutions Inc.
State: GA
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 was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, 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 XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. This is all from XXXX Credit reporting.

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 2016-12-29
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Mohela does not allow automatic payments ( i.e. of interest incurred ) during deferment stage of loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have took out a small {$300.00} loan with ACE Cash Express, and since then made four payments of {$43.00} ; {$170.00} totaling to date the account is still has a balance of {$270.00}. I have contacted ACE and they are or no help, very unprofessional people work there who can not explain why my balance only went down {$25.00} for all those payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On Friday XX/XX/2022 I called Navient to Pay off a School Loan. I have XXXX Loans with Navient. # XXXX {$12000.00} and XXXX # XXXX {$28000.00}. I told the agent I want to pay off my school loan # XXXX for the amount listed. So we processed the payment ( I had already made a payment for XXXX ) and payment was completed. I looked into my account to see the loan paid off, and it shows a balance of {$220.00}! I called Navient and what the Navient Service agent is telling me does not make sense. XXXX XXXX # XXXX indicated since I have a consolidated loan they applied this to the other loan. Mind you these are XXXX separate loans. I want to be completely done with the XXXX XXXX, so I can qualify for a Loan to purchase a home. I was very clear, I never understand what these Navient Agents tell us about our schools loans, however we just take the information and hope its true. This time I believe they are adding fees without my consent or knowledge. I just want the loan paid off, so I can qualify for my purchase as soon as possible. 
Thank you so much for looking into this, i appreciate your time! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Paypal Holdings, Inc
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from XXXX XXXX , XXXX stating that I owe {$100.00} to PayPal. I explained that I do n't have a PayPal account, but first I gave my Social Security number to verify my identity. They said I would receive a fraud victim packet and I never did. I tried following up by phone and every time I start asking questions they hang up. A XXXX search revealed that many other people have been scammed out of money by this same company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Me and my wifes bank accounts were completely seized on XX/XX/2015 by ARSI for her being 10 days late paying her bill, she had not missed any payments and even paid the late payment. I had over {$1500.00} and she had over {$100.00} in our banks accounts. All the money in both our accounts are from paychecks being direct deposited from our jobs and now we have no way to pay our bills at the end of this month. This should be completely illegal to take all of a married couples money right out of their bank accounts and I want it all back. Please help me because i have no money to get a lawyer now to fight them and might be homeless over this.

Company response to consumer: Closed
Consumer complaint received 2016-02-18
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This was done at the time when I was on XXXX from XXXX XXXX only making XXXX an hour with no insurance and XXXX kids and a husband who could not find work the hospital put me on a " sliding scale '' so it was cheaper supposedly and I qualified for XXXX but they did not help me get on XXXX I applied 3 times for XXXX but it was always on a " pending '' status and then the time ran out and then it came back as declined!!! I was on food stamps for dying out loud but could not get approved for XXXX! I had an XXXX that required me to take care of it other wise I would XXXX the doctor gave me no option she said it was life threatening!! I applied and applied for XXXX but still got denied on low income and single income my family only had me to provide!!! This is not fair to me that I was doing the required steps to get this taken care of and this was at the time XXXX was just rolling out and it ended up messing with my credit and showing as a delinquency! I want this removed from my credit! This was not my fault!!

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 2017-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
PORTFOLIO RECOVERY XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$23000.00} XXXX XXXX   XXXX {$190.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I co-signed a 30 year mortgage loan with XXXX for a friend in XXXX in the amount of {$170.00}, XXXX. 
A few years later I signed a quick claim deed because she said if I did not sign the quick claim deed she would default on the loan. 
She ( without my permission or knowledge ) re modified the loan in XXXX for {$110.00}, XXXX based on her income only because she was unable to make the payments. This modification decreased the amount of the loan XXXX and increased the years of the payment. 
She has remained delinquent in her payments. 
In XXXX of XXXX the loan was taken over by Carrington Mortgage Company. 
She has remained delinquent and to date owes XXXX in overdue payments. 
I want my name taken off the loan agreement. I have discussed this matter with XXXX XXXX to no avail. I have contacted XXXX and Carrington Mortgage Company with also no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
While i was looking at my credit report i noticed someone tried to take a loan oout using my information this was not me nor did i have any knowledge of it. I didnt give anyone my information so i dont know who did this or how this happened.

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 2022-05-16
Company: EQUIFAX, INC.
State: MN
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: Was not notified of investigation status or results

Complaint:
Hi This is XXXX XXXX SSN ; XXXX, I sent you a letter last month and I was expecting to get a result or at least a response but until today ( XX/XX/2022 ) I still haven't gotten any. I joined an online discussion about DIY credit repair online and I learned from some people that you were supposed to provide a response according to FCRA or I file a complaint. Please look into my issue because it's affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: FIRST NATIONAL BANK OF OMAHA
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: Information belongs to someone else

Complaint:
FNB Omaha- inquired on my XXXX account that I did not initiate on XX/XX/2022. I believe this is a fraudulent inquiry that I did not authorize. I believe someone stole my information to start this credit card inquiry

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 2016-05-06
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This regards the following institutions : XXXX. IC system/ XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX ( this was on the letter head ) 2. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX, phone XXXX I received a letter from XXXX or the other of these ( XXXX addresses were on the XXXX of the letter ) for an outstanding bill from XXXX of {$21.00}. There were 3 options, the first of which was to use their website : XXXX. I went to this website and was given the choice of giving a credit card or paying by check. I chose the first. After filling out the entire application to pay ( requiring several pages ), I was told that, instead of using this method, I 'd have to call the XXXX [ XXXX ] number. So I called. 

What followed was a series of attempts to get me to 1 ) buy a medalert system, 2 ) buy a {$10.00} discount card and 3 ) buy a {$100.00} dollar discount card or 4 ) buy into a 'cruise ' that would probably cost me hundreds of dollars. When I declined all of these, they automated system hung up. I went through this whole XXXX twice, just to be sure the first time was n't a fluke. t was never allowed to pay the bill, neither online nor by phone. 

I have n't tried the 'pay by check ' option, nor will I, because I 'm quite certain that XXXX are bogus. It 's clear to me that this is simply a scam to get people to buy these worthless products and there is no intent to help the people pay the outstanding bill. 

Since none of your menus above cover my situation, I chose 'communication tactics ' and ''used obscene ... ', since I have to choose something.

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 2015-08-29
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Under HARP, I had negotiated a refinance with Flagstar Bank and received an email saying I was " Approved '' with a " Commitment Letter '' as attachments to the email in 2010. I also received a letter through the US Mail saying Flagstar Bank was " committed '' to helping me keep my home. However, before any payments could be made at the lower interest rate I received a phone call from Flagstar Bank saying the refi loan was not approved. 
I had never been behind on my payments and was not asking for a principal reduction, just simple refinnance to lower interest rate. After continuing to press the bank for two more years to lower the interest rate and live up to their agreement, I was finally forced into giving up the home. Had the payments been lowered with the refinance, it would have lowered the monthly payment by over {$200.00} per month, making it an affordable $ XXXX. 
Flagstar Bank has paid millions of dollars in fines for treating people like me in the manner i described and forcing them into foreclosure. I feel that I am due and eligible for damages from the monies they have paid for their actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Synovus Bank
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made several attempts to pay my credit card bill in the amount of XXXX. I have been calling for two weeks and they refuse to process my payment. Their reasons are, the payment portal is only for selected people to pay online, the system is upgrading to a security option that will not accept any forms of payment. They could not provide me with a way to pay my credit card bill. I told them i have made a payment to them over the phone on XX/XX/2022, in the amount of {$250.00} that payment was made though my XXXX XXXX Account. Why is it an issue now, nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE 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:
I'm requesting the following accounts be verified properly or deleted immediately, because the account type, status date, balance updated and payment status are not displaying accurately. Also the creditor name, phone number, addresses and names are all not matching across the credit bureaus on my credit report, which is confusing if this information is suppose to accurately be verified and reporting correctly. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. 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 investigations, 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, US DEPT ED XXXX XXXX XXXXXXXX ( TRANSUNION ) U S DEPT ED/ XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-01-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
in 2014 I was taken off work XXXX. I was current on my mortgage until XXXX 2014 when my income was cut out in over half. I tried to work with the mortgage company Carrington mortgage company XXXX XXXXXXXX. They told me I could get mortgage assistance and they have used excuse from not having the proper documents but they had in their possession. Then they wanted more proof of pay stubs, which again once I received them I sent them in. I have done everything to fix this issue and they refuse to help they are rude unprofessional and I have tried everything. I do not want to lose my home and made that perfectly clear but they wont help me at all. I would like a lower payment and time to resolve this issue fairly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same address as the mortgage. Please help me. I am a XXXX veteran rated 70 % pending 80 % within a month so now I am exempt from property taxes now. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: ERC
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Disputed twice with XXXX. This debt does not belong to me. XXXX keeps sending debt to various collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE 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:
I sent a letter off XX/XX/2022. Here is my tracking # XXXX # XXXX # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial insititution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2021-01-26
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account was closed in XXXX for {$510.00} and they just opened this collection against me in XXXX of XX/XX/XXXXand are demandingi pay {$1400.00}

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