BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-06
Company: STUDENT ASSISTANCE FOUNDATION
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
my loan was in a hardship status while I went through a bankruptcy last year that discharged XX/XX/XXXX. I was unable to make the {$350.00} payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was waiting for a new tax return to come back because I also had to go through a divorce that finalized in XXXX of XXXX. I asked them if there was any way I could get an IBR that would catch up my past due so that I could make reasonable, on-time payments. They sent me the IBR that lowered my payments to {$57.00} a month. I could make those payments and also paid additional totaling a {$100.00} a month for XX/XX/XXXX, XX/XX/XXXX and going forward was the plan. They told me I had exhausted all deferment options and that the past due could not be updated and that my loan, even with the additional amount I was paying was going to default XX/XX/XXXX. I was then instructed to resubmit an IBR and if my payments were lower, they could forgive my past due. Why was this not an option the first time, I do not know, but instead my payments increased then to {$120.00} and still " no past due deferment ''. Which made my situation even worse than before. I am a single mom, with a XXXX child, other than sacrificing her care by being gone more than XXXX hours a week, I am simply unable to meet their demand for {$1300.00} past due by XX/XX/XXXX in addition to the increased payment from {$57.00} to {$120.00}. They would not allow me to cancel the last IBR request that they suggested that would help me and it only harmed my current situation. I have a student loan debt for {$30000.00} + w/an 8 % interest rate and I am XXXX years old. The degree is a travel management degree from a private school that shut down shortly after my graduation. The degree is essentially worthless because it is non-accredited, the school is non-existent. The Student Assistant Foundation in Montana has not offered any solutions that have helped, only made my situation worse and said to look forward to continued calls and even more fees after default occurs. I have asked the ombudsman for help and they offered no solution or help on their end. I feel like I am in a no win situation and soon they will garnish my wages and take my taxes every year once this default occurs. I have no faith in the system at all. I know that I can make their {$57.00} payment, and even make their {$120.00} demand but I can not simply come up with {$1300.00} by XX/XX/XXXX. I need someone to help me figure out a way, if I had n't had to file for bankruptcy and divorce all in one year, I may have had an opportunity to stay on top of this, but it was n't an option for me unfortunately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08
Company: Federal Adjustment Bureau, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX FABCO dba Federal Adjustment Bureau XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX : Letter of Intent to File Suit To Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against FABCO dba Federal Adjustment Bureau for {$25000.00} as a result of violations of The Dodd-Frank Wall Street Reform and Consumer Protection Act ( XXXX ; commonly referred to as XXXX ) and Unfair, Deceptive & Abusive Practices ( UDAPP ). I contacted your company which listed a fraudulent account on my credit on several occasions. At which time I requested you remove the fraudulent listing and have even sent verification from the Criminal Investigations Division of the XXXX XXXX XXXX Police showing the account is a result of identity theft. During my final attempt I requested very specific documentation to show this account is valid knowing full and well such documentation can not be provided as it is a result of ID Theft. To which you responded with a packet of paperwork which did not include the information requested. Thus rendering the debt invalid under FDCPA. Your company not only continued to report the invalid debt on my credit but also sent me notices demanding payment on said fraudulent account. 
There was no evidence to support your claim that I owe or agreed to this debt outside of what appears to be a line written contract which I did not sign. The " Signature '' bears no resemblance to my own and you failed to furnish anything of mine ie. a drivers license or social security card. Considering I work for a law firm I have never seen a lease agreement that the rental agent did not obtain of copy of such documents. 
Your company was also provided a " Release Of Claims '' understand that release does not have any bearing on this case considering it sites specific laws your company was release from liability on. Now given my previous experience your company will draw out the process for as long as possible but due to the negligence and disrespect exhibited by your company which I have no problem with. I also previously advised I would be working with a lawfirm. At this time I have opted against doing so and will be handling the case myself. 
If you choose to just pay the {$7500.00} and avoid further cost to your company that would be agreeable. If not then this letter will serve as your 14 day Initail Demand prior to suit being filed. 

Your prompt attention is appreciated, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-05-08
Company: Reliant Capital Solutions, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I would like to file a Severe Complain to Reliant Capital Solutions LLC XXXX OH XXXX for Fraud misrepresentation after notification in writing for improfessional collection activity practice regarding a case XXXX for XXXX XXXX XXXX XXXX XXXX University for the amount of {$19000.00} the Student never attend to Class and CampusWe present the dispute in writing with the support evidence documentation, the company constantly acting with treats phone call with not respectful and adequate language and ethics, they violated all the ruling under collection of the consumer act and license

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my account, nor did I authorize these companies to pull my credit/

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 2020-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my account, nor did I authorize these companies to pull my credit/

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 2022-07-21
Company: ALLY FINANCIAL INC.
State: IN
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:
15 USC 1681 Section 602 A. States I have a the right to privacy.

15 USC 1681 Section 604 A. Section 2 It also states that a consumer reporting agency can not furnish an account without my written Instructions.

15 USC 1692C States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collect may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692B States that they may not use any language of symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

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 2016-06-21
Company: PNC Bank N.A.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I receive social security & XXXX I recently got a letter in the mail from them saying I will be penalized because I am over my resources with an account from Pnc Bank I am not banking with Pnc Bank I will not be able to support my self because SS/XXXX is going to stop paying me due to this I have not giving anyone permission to open up an account in my name I called customer service but was n't able to get help because I did n't have an account number to give them I recently change my name my previous was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX purchased a home back in 2007, with national city mortgage, ( now PNC ) since then i have had some hardship, i have appy for assistances for last two years, no help.I wrote a letter asking who own my mortgage.They never responsed to my letter.I need some help because my mortgage is about to go up.I really do not want to lose my home. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is in reference to XXXX XXXX XXXX XXXX, and the company they represent, Educational Credit Management Corporation. On XX/XX/2020 I pulled a copy of my credit report to find that there is an additional balance for the same account yet only one balance listed on the statement I received in the mail. I also noticed that the account has an opening date listed with XXXX  and XXXX  but missing an opening date for XXXX  and showing the account as closed. I contacted the debt collectors ( XXXX XXXX XXXX XXXX ) and requested proof of validation on the account. I also asked that all collection efforts cease and desist. In return I received a copy of an itemized list of the same information that I disputed and a copy of a promissory note from Educational Credit Management Corporation. In review of the itemized list I noticed that there was a difference in the total balance and interest balance listed. On the statement dated XX/XX/2020 XXXX part of the list showed the interest balance as {$580.00} and the other part of the statement showed the interest balance as {$700.00}. The statement also showed one part of the total balance as {$8100.00} and the other part as {$8300.00}. I then contacted XXXX XXXX XXXX XXXX requesting more proof of validation and I did not receive a response within the 30-day validation period. I made a final attempt at obtaining sufficient proof of validation on the account but was unsuccessful. I also requested that the inaccurate, misleading, invalidated account is removed but received no response to that request as well.

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 2022-07-21
Company: EQUIFAX, INC.
State: CA
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:
Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HI i have tried yet again to dispute what wells fargo bank and cfpb system doesnt allow me to progress, cfpb why have you not atempted to prosecute wells fargo for fraud and hold those responsable for there actions and theft of my home, acount in credit and no missed paymants yet you have never asked for proof of paymant? you have deliberatly treated me and my family un equal to american person why are you pretecting this fradulent and deciptfull bank why numerouse supreme court orders yet no compesation why

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 2022-07-21
Company: Experian Information Solutions Inc.
State: CA
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:
Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX XXXX Late Dates 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 2021-12-12
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have been trying to contact Regions by phone, email, and mail. Requesting a good will adjustment regarding my late payments on account # numbers below. 

XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Account # : XXXX Account # XXXX XXXX XXXX : I have been customer since XXXX and during that time, I have enjoyed my experience with Regions Bank greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account XXXX from XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. I also have a late payment on the above referenced account XXXX from XX/XX/XXXX and XX/XX/XXXX. 
Because of my previously exceptional past payment history, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of finding gainful employment after the pandemic. During the pandemic, I did a great job of maintaining a good payment history with using funds from my savings. After depleted is when I started to have issues. I have reached out since I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. 
I have been a very happy customer in the past and hope to continue a long relationship with Regions Bank. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. Regions Bank has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Regions Bank is head and shoulders above the rest. I look forward to your reply.

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 2022-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Equifax and XXXX are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : - ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the Equifax and XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I got an unrequested credit card, and I tried to place a freeze on my credit information with the XXXX credit bureaus - while I could easily freeze my credit and place a fraude alert on XXXX and XXXX, the same is not true for Experian. I am not able to place a freeze, neither a fraud alert, their numbers all have automated service and do not allow me to talk to a representative, and I will need to do the process by mail, and thus, extend the time my identity might be used fraudulently. The ONLY way to have any control of my credit report online in Experian is by paying for their services- which is illegal. The service can be offered free and efficiently by the other XXXX credit bureaus, in compliance with the law.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: TN
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 want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. Here are the list of information in my report : XXXX, XXXX, DO XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001

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 2021-12-12
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/21 I filed a dispute with Experian ( certified mail ) about a bankruptcy/Reference # XXXX on my credit file that Experian maintains XXXX my Social Security Number. On XX/XX/21 I called Experian and spoken to a woman who stating that the bankruptcy verified as accurate. On XX/XX/21 I certified mailed XXXX more documents, ( 1. ) A RE-INVESTIGATION/METHOD OF VERIFICATION letter and to inform Experian that I was execising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). ( 2. ) A document from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  stating they DO NOT report/verified to Experian or any credit bureau for that matter. ( 3. ) A document informing Experian that their original response of them verifying the item with the court was either an error or a lie, and that either way the reporting requirements do not comply with the FCRA section 611 ( 15 U.S.C. sectection 1681 ) and that the information must be deleted immediately. On XX/XX/21 I checked my Experian credit report and Experian only replied to those documents " verified as accurate and unchanged ''. I immediately called Experian and spoke to a guy named XXXX, I informed XXXX of they ( Experian ) DID NOT respond to my request for the METHOD OF VERIFICATION. XXXX went to inform me that it was against their policy to give me their METHOD OF VERIFICATION. I then moved forward to inform XXXX that they ( Experian ) are in full violation of my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) by denying my request for the METHOD OF VERIFICATION. I also inform XXXX ( Experian ) that the item in queustion is inaccurate and represent a very serious reporting error. XXXX than said hold on for a minute, I was on hold for an hour and 37 minute until a lady picked and said " We can not give you our METHOD OF VERIFICATION and as he told you its against our policy and have a great day now '' and hung up.

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 2015-08-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My checking account was debited on the XXXX of XXXX which was the due date, the terms specifically allow for changes to the payment to be made until XXXX EST the day of the due payment. The debit to my account appeared when i checked my account balance at XXXX on the due date.

Company response to consumer: Closed with explanation