BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Several years ago, my husband, who was ill with   XXXX   and beginning to have   XXXX   XXXX  , was persuaded b y Navient, which had recently taken over administration of the PLUS loans we took out to pay for the last two  years of our youngest son 's  XXXX  degree at  XXXX  College from  XXXX  to  XXXX , to 'consolidate ' the loans. He was promised that if he died before the loans were paid off, they would be forgiven and I, his widow, would not be left with responsibility for them. He died in  XXXX  of  XXXX , and when I calle d Navient to inf orm them of his death, they said I must repay the balance, which was over {$50000.00}, various fees and penalties having been added. Facing a severely-reduced income ( I lost my job in the crash of  XXXX  and was forced to retire without an adequate pension of my own ), I reminded the agent of the promise made to my husband. After months of wrangling, they did agree to reduce the principal to {$28000.00}, setting me up with an income-based repayment plan, but it is due to expire in  XXXX  of this year, and I will have to reapply, and go through the whole process again. I am  XXXX   years old , have just been diagnosed with a   XXXX   XXXX  , and am having trouble dealing with these kinds of issues. I feel that the promise made to my husband should be honored. My income is fixed, but my rent and other expenses keep increasing. I am also being held responsible for past taxes due to the IRS, for which fees and penalties have been added, bringing the total to nearly {$20000.00}. I was able to work out a payment plan with the IRS, but it is costing me another {$250.00} a month, and most months, I run out of money before the end of the month, no matter how careful I am. I have been forced to max out my credit in order to get through the month, and feel like a house of cards that is collapsing. My husband left me a little bit of life insurance, but it is long gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX   XXXX   XXXX  This account was sold to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   therefore they can not be reporting a balance on this account. On my credit report, they are reporting a balance owed of {$1300.00}.   XXXX   XXXX   XXXX   XXXX   XXXX   agency is also reporting the same debt on my credit file.  XXXX   XXXX  needs to update the balance to  XXXX  immediately or delete the account off my credit file!! I have tried numerous times to get this corrected and I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TransUnion, XXXX and XXXX are not giving my Credit Score when request to do so. I applied for Car loan and I received letter of rejection stating my Credit Score wasn't available. I want an investigation into all three Credit Reporting Agencies. I feel I am Being Discriminated against because I am XXXX American.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The XXXX XXXX XXXX has been using dark pattern on my credit reports to put damages on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have contacted the Georgia Attorney General and they have contacted SLS regarding my account.  XXXX  sold my loan to SLS and I am paid until   XXXX   XXXX    . SLS does not acknowledge this and continues to mark my account past due, 71 days.  XXXX  has provided the information  3x per  my request and still no change in my account status or SLS acknowledgement. The Georgia Attorney As of   XXXX     there is no change from   XXXX   XXXX    .     An  SLS r epresentative called the week of  XXXX  and informed me that SLS is aware that I am paid until  XXXX , but when I calle d SLS  on  XXXX , there was no change to my account. I requested an updated statement based on this new information. I still have not received the revised mortgage statement confirming I am paid until  XXXX .     SLS continues to send information to the wrong address. My correct address, which I have sent to SLS via official  USPS n otification, is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX  Contact dates and times. All calls are recorded :  XXXX   XXXX    XXXX   ID #  XXXX  Received RESPA notice on   XXXX   whic h SLS  has already violated   XXXX    XXXX  ID #  XXXX  ID #  XXXX    XXXX    Executive Ser vices says they do not have information that I am paid u ntil  X/XX    XXXX   W as told my rep that there were  hundred of lo ans sold to SLS that SLS has not processed correctly and for which they have no information   XXXX    XXXX  no ID # Requested welcome letter and payment notice and received information on the Automatic Payment Program   XXXX   Requested  XXXX  send another payment history to SLS   XXXX    XXXX  automated calls daily  XXXX   XXXX  Account #  XXXX  Georgia Attorney General File #  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 2019-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today at XXXX, XXXX 2019 at XXXX I sent {$100.00} through my Wells Fargo app ( XXXX thats on the Wells Fargo app specifically ) to a person. I realized too late about the XXXX XXXX it does not assist with fraudulent and repayments. I am very devastated due to that and wish for some assistance to receive that back.

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 2021-12-15
Company: Experian Information Solutions 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-15
Company: EQUIFAX, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 2017-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a credit card with  Capital One . I made a online payment on    XXXX   XXXX   XXXX     , but the payment was erroneously from a bank account I had closed, that was still listed on their site. I choose the wrong bank account for my payment. I didnt realize this until weeks late when I checked my bank account and did not see  Capital One pa yment posted. ( I checked on  On   Capital One  site, it stated that my payment has been received and no payment is due at the time. No where does it state that the payment were returned ) .After realizing this I called Capital One and explained to them it was error, I accidentally chose the wrong   bank account. I made my payment with the  Capital One Rep  and he also waived the late fee. I have a 30 day late payment on my credit report. I have dispute this late payment and also, I have called  Capital One  to see if they can do a goodwill adjustment since I have been with them for 6 year and never been late and they said no. Please keep in mind that I never received a called or a letter regard my late payment. I understand and know it is my responsible but,  If Capital One had   called, email or mailed me a letter regard my past due account I would not have this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am having an issue with experian removing a collection from my account. I have had it removed from XXXX and XXXX already. It is a collection from XXXX XXXX. I have never had XXXX XXXX or an XXXX account in my name. This was done by someone else or it is a fraudulent collection. I have tried to dispute it through experian multiple times to no avail. I am not going to pay a collection for which i never had an account.

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 2021-12-15
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent notice to remove the alleged bankruptcy. I also attached the proof that XXXX removed the item since they furnished it. In XXXX I also sent notice that the bankruptcy sent stating that they do not give information to Experian. Im demanding an audit trail and the original instrument 15 U.S. Code 1692g ( IM DEMANDING VALIDATION & FULL AUDIT TRAIL ) attached is also my FTC report for this items. 
15 U.S. Code 1692g - Validation of debts U. S BANKRUPTCY ( alleged filing and a copy of the court docket ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : ITEMS MUST BE DELETED DURING NOTICE OF THE DISPUTE FROM THE CONSUMER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Lend Smart Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to get a I-Refi loan since XXXX XXXX of last year! This is over 8 months ago and I am still waiting! The Loan Officer who is handling my loan application has not responded to my text messages or phone calls since the middle of XXXX of this year! I have even reached out to the government agency that is in charge of this program ( the program allows for homeowners who are upside down on their mortgage grand money from HUD to pay down up to $ XXXX of this. The agency in Illinois is XXXX ). 

Original the program calls for the consumer to put out only an appraisal of the home at a cost of {$400.00}. XXXX certified only a handful of loan companies for this program. One of which was XXXX. 
I have been through 2 appraisals of my home and one reinstatement appraisal because of these huge delays! I have paid out {$750.00} and the loan company has paid for the other appraisal. I have produced volumes of documentation over these past 8 months, verifying and re verifying every document they have requested!!! I keep getting the runaround. They keep blaming it on the underwriters, saying they keep asking for additional documents, etc. Each time I upload the request to the system something else is in question! I am about to XXXX out over this loan! I have kept every email, text message, and document I have been requested to produce. 

These unnecessary delays has cost me thousands of dollars over these past few months. Not only has the interest rate on my loan been changed from XXXX to XXXX ( thousands over the coarse of the loan, I have both disclosures ), but I estimate that based on a 2 month loan process I am losing {$450.00} a month. {$450.00} a month for the last 6 months ( {$2700.00} ) plus the additional {$350.00} reinstatement appraisal fee and the additional increase of XXXX percent on my loan is my financial loss. 

The name of the lender is XXXX in Illinois.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: MA
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:
When I just checked my Equifax credit report I saw that one of my associated addresses said I lived at : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have never ever lived at this address nor have I ever lived in XXXX. I have n't lived in any other states besides XXXX and XXXX so I have no idea where this address came from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2021-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Made a purchase with an online clothing store on XX/XX/2021. Order was delivered the following month. Items delivered were not the same as advertised on the clothing website which made me look up reviews on the website. I discovered that the website has mislead numerous customers with their false advertising and that they have also not given full refunds for items purchased. I made a claim with my financial institution and they said they would examine it and get back with me with the final settlement. On XX/XX/2021, I received a notification that my financial institution was unable to pay back the money charged from the fraudulent business.

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 2020-05-09
Company: ERC
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: Credit inquiries on your report that you don't recognize

Complaint:
This letter is your formal notice to cease your unauthorized inquiries into my credit report and a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my report to insure you have had the following unauthorized inquiries removed : Enhance Recovery Company XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a new car loan with Navy Federal Credit Union ( NFCU ) in the amount of {$40000.00} with a trade in ( XXXX  XXXX XXXX ) as well as a {$5000.00} cash down payment. I have an income of {$4200.00} per month and my monthly housing cost is {$1000.00}. 
During the application I was instantly denied. I initially thought this denial would be due to my XXXX credit report being locked. I mistakenly forgot to unlock it prior to the application. However once I received the statement of credit denial, the reason listed is " EXCESSIVE CREDIT OBLIGATIONS IN RELATION TO INCOME ''. 
This information confused me due to my DTI being well below 35 % based on information in my application. Additionally, this decision was made without NFCU having access to my credit report. 
I called NFCU for an explanation on my " excessive credit obligations '' and after being transferred to many different representatives, I was told by XXXX who represented herself as a supervisor, that my DTI is too high. I asked for a review and explanation either by phone or in writing as to how it was determined that my DTI was too high and was told that there is no one above XXXX who will talk to me on this matter. I was also advised that there is no recourse or escalation process that will get a response. I mentioned that the decision felt discriminatory without using my credit report or any further explanation on how my DTI is considered too high and was told that no financial institution is obligated to explain. I requested a complaint be filed for suspected discrimination and was told that I may be contacted but no one would discuss the credit denial with me any further and if I wanted an explanation beyond the letter I have, that I had to re-apply for credit. 
I will not re-apply without an actual explanation on the denial in the first place. I would like this complaint to initiate an investigation into the lending practices for NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr. Cooper/ Nationstar are able to get away with lying on your modification documents. They offered pandemic forbearance help. At end of forbearance period they sent loan modification for extension papers with my ex husband 's name on it to sign. He had.nothing to do with the loan... We have been divorced for a few years when I got this loan. He was not there and name is no where on closing documents. I've sent proof. I've filed complaints on their website ... spent hours on phone transferred to person to person. So a lot people I've talked say these people ore lying and trying to get my house. I've heard this company screws people. There is no way I can pay the lump sum. These people are forcing me into foreclosure. I just don't understand how they lie and get away

Company response to consumer: Closed with explanation