BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
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: Investigation took more than 30 days

Complaint:
Im trying to update an account on my credit report to show an auto loan Ive been paying on is being reflected the amounts Im still paying and have being paying on is correct. I supplied the statement and payment history directly from the leinholder when I refinanced my vehicle loan to show the amounts as accurate

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 2017-05-01
Company: Premier Student Loan Center
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On the   XXXX   XXXX   XXXX   I reveived a call from an unknown number (  XXXX  ) which has since been discontinued.
The representative on the other end,   XXXX   XXXX   ( working for Premier Student Loan Center ), offered to help reduce my student loan debt by way of consolidation. This service he offered, according to him, requred an enrollment fee of {$220.00} to be made for 4 months on the  XXXX  of each month.
In order to move the consolidation request forward he required my personal information. I was n't able to submit the requested documents before the first payment ( they were submitted on   XXXX   XXXX   ) and I had been charged regardless.
On   XXXX   XXXX   I made attempts to resolve my complaints via phone (   XXXX   ) and email (  XXXX  ). However my efforts proved useless as  XXXX  said they moved my request forward and it is irreversible. I am required to pay the enrollment fees even though they do nothing to pay for my loans.
I also seek advice on how to move forward past this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I defaulted on my student loans when I got out of school, because I did not have a job. 
Texas Guarantee has sidestepped every effort I have made to get these loans out of default. 
My original loans were about XXXX. Texas Guarantee wage garnished me for 5 years and took almost XXXX from my checks. Texas Guarantee refuses to set up a payment plan and is about to wage garnish me again. They say I still owe over XXXX on my loans. It is easier to wage garnish me, and much more profitable, because I qualify for a low payment. Texas Guarantee is running a racket and has ruined my credit. The people that work for them have no idea how to follow instructions. The new case worker has telephoned me one time. I have asked them to email me repeatedly. I have sent my income tax to them and answered every single question they have asked. It is not an advantage for them to get people out of default, so therefore, they do not put much effort into it. I requested a hearing, and they have given me less than a weeks notice. I tried to get it scheduled for another date and they refused. They are the most difficult company I have ever tried to do business with. If they do n't set up a payment plan for me, I will not let it go back to wage garnishment. I will quit my job and go on food stamps, before I ever let anyone take money from my check that I do not get credit for. Texas Guarantee is a governmental agency which is allowed to steal from the public and has no oversight. All I have asked for is a payment plan and to take my loans out of default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX XXXX Balance Owed : {$580.00}. 
XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$66.00}

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 non-monetary relief
Consumer complaint received 2015-08-12
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
AES uses predatory financing to extract as much from their customers as possible. The website logs you out to prevent you from navigating and potentially solving issues. Additional payments to loans beyond the minimum payment are not applied directly towards the highest interest rate loan. I spoke to their representatives and they said they would do that for me. The next billing cycle showed not a single dollar had been paid in addition to the minimum on the highest rate interest loan, making sure that AES made as much money off me as possible. The next representative claimed their system was incapable doing this automatically ( XXXX had no issues doing this when my loans were owned by them ). I then requested to cancel the additional portion of direct debit so i could manually apply extra funds to a specific loan each month, both via phone and via the website. Instead the entire direct debit was cancelled, thus removing my .25 % interest rate bonus for 2 months. The next representative claimed the system could not take less time to set up automatic payments. Everything this company does is meant to harm the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with Wells Fargo Bank, who after my husband passed away from XXXX XXXX refused to help with loan modification after I XXXX from my husband passing. They told me that my credit score needed to be at least at XXXX, then never helped me with a loan modification, and later foreclosed on my house.

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 2022-04-19
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX 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 2022-07-23
Company: EQUIFAX, INC.
State: MI
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 am grateful to have some accounts from my Credit File be removed! I truly appreciate the efforts done by the Equifax and XXXX Credit Bureaus to deleted a portion of the fraudulent accounts being reported from my Credit Report, but there are some accounts that should be deleted too. I received a copy of my updated Credit Report and noticed that some accounts are still reporting despite the multiple letters I have been sending to the Credit Bureaus. On my previous letter I sent on XX/XX/2022, I emphasized the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( C ), Authority to decline or rescind. Once again, I have been a victim of Identity Theft and I never received anything nor benefits as a result of the theft of my identity. The Credit Bureaus can not decline my requests for the removal of the fraudulent accounts on my Credit Report since I never received anything in exchange of the Identity Theft. If the Credit Bureaus insist that these accounts belong to me, I will require all documentation that has my signature on it to support the Credit Bureaus claim. If the Credit Bureaus can not provide me with copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus remove the following disputed fraudulent accounts completely from my Credit Report : XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX  XXXX Balance : - Bankruptcy : XXXX XXXX Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: GA
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 first sent a certified letter to Equifax In XX/XX/2021, some collections or what not was deleted or removed. But some remained on my credit history. So I called them a couple days after receiving the one in XXXX and filed a claim by phone. I received a letter showing the collections I had in question and when I looked at the document. It said reinvestigation in process, which I haven't received anything other after that. I also may add that one company decreased their dollar amount by almost {$2000.00} although I don't owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
- On Saturday XXXX/XXXX/XXXX My husband got a call on his cell phone. A " courier '' called from a private # and told him that an attorney firm has been trying to serve him twice at our current address & a previous address. He told my husband to call ( XXXX ) XXXX, gave him a case # : XXXX and said to ask for XXXX XXXX . Since it was n't a good time, my husband did not call. The courier called another 2 times. I picked up the phone the 3rd time. He asked me if I was his spouse. I said I was his spouse. He said that I was able to call since I was his legal spouse and that the call was extremely urgent. I asked him if he was forcing us to call. He said " No '', but XXXX XXXX was waiting for My husband or his spouse ( me ). I called ( XXXX ) XXXX five days later on XXXX/XXXX/XXXX, gave my case # XXXX and they put me through to XXXX XXXX prior to speaking with XXXX XXXX the receptionist told me he was a collections agent in the litigation dept ). - XXXX XXXX told me that he is an attorney and this call was regarding a Bank of America credit card opened in XX/XX/XXXX, closed in XX/XX/XXXX & the Statute of limitations is XXXX/XXXX/XXXX. The card was in my husbands name and the balance is {$9700.00}. He also told me I had XXXX day to pay this amount and since I am XXXX 's spouse and we live in the State of XXXX, I am equally responsible. Now, my husband never had a Bank of America credit card in XX/XX/XXXX under his name. I, however, had one but the card numbers XXXX gave me did not match at all. I told XXXX the state of XXXX does not make a spouse pay for a credit card that belongs to his or her spouse and we were not married in XX/XX/XXXX. He yelled at me and told me to Google it. ( It 's just not true, I know that for a fact ). I told him all the information is inaccurate. He got agitated, yelled " I will see you in court '' and hung up. I called back to tell him that if he listened to me he would know that I was awarded a Ch XXXX bankruptcy. He put me on hold for XXXX mins. I called back and told him that I need his fax number and I told him that he was a scammer. He told me to " XXXX '' and hung up. I googled XXXX XXXX attorney in CA. He seems to be the same scammer called from a previous number of XXXX ( that # is now disconnected ), claiming to be from another Company, XXXX XXXX XXXX in XXXX, XXXX. I also googled " ( XXXX ) XXXX ''. There are many complaints about XXXX XXXX attempting to collect old credit card dept with inaccurate information and people fall for it & pay them money.

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 2015-10-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX XXXX, I had a 42 minute conversation with XXXX XXXX about discrepancies I found with Loan Nos. XXXX and XXXX : ( 1 ) after making online payments to XXXX loans on the same date at the same time, the payments for XXXX and XXXX were not being posted on the date that the payment was made while the payment for XXXX was being posted on the date the online payment was made ; and ( 2 ) the interest rate was fluctuating on XXXX and XXXX but not on XXXX which was the same type of variable-rate loan with the same terms. The next day, I sent XXXX XXXX a detailed email regarding these discrepancies asking for his help. On XXXX XXXX, XXXX XXXX called to let me know XXXX XXXX had forwarded my email to him and he would help resolve my concerns. We spoke for XXXX minutes, and XXXX XXXX promised he would get back to me within the week with some answers. By XXXX XXXX, I had not heard back from XXXX XXXX, so I called him and left him a voice mail asking him to call me back. I have yet to hear from XXXX XXXX. In addition, I asked XXXX XXXX how I would know if the interest rate changed, in other words, what kind of notice would I receive. He told me I would have to check my statement each month ; no notice would be sent. I asked XXXX XXXX the same question, and he told me Navient would send a notice to me to let me know. I am not sure who is correct, but I never received any notice letting me know my interest rate was going to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I tried to cash a check written to me by my husband from his Bank of America checking account. The account had enough money to cover the check to me and the funds were available at the time I tried to cash the check. I asked for the money to be in the form of a cashiers check. BOA refused to cash the check because I do not have a BOA account ; they would not put it in the form of a cashiers check because I do not have an account. The check was for {$27000.00}. They also claimed they did n't have the funds on hand to complete the transaction. This is a very busy branch located at XXXX XXXX XXXX in XXXX MA. I had the check, I had identification and my husband who was traveling for business went to a BOA branch in the state he was in to have their manager call the XXXX manager. They still would not honor the check. After XXXX minutes I left to go back to work and I was out of patience anyway. My husband continued to discuss the matter with the manager of the out of state office and finally the XXXX manager said they would give me a cashiers check if I came back. I could not leave work again to make it back before they closed and I had no desire to deal with them again anyway.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: WA
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:
In accordance with the fair credit reporting act XXXX 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 furnished a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: MI
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NY
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:
Granite State Management and Resources erroneously submitted to my credit reporting agencies that I filled for bankruptcy and claimed my student loan accounts as those I could not pay. My account is up to date. My XXXX scores dropped XXXX points. I called and the customer service representative indicated it was an error that impacted " thousands of borrowers '' and that they were fixing the issue. She indicated they were not planning on notifying borrowers and I explicitly had to request a letter. I asked for free credit monitoring and they would not provide it. They said I had to keep an eye on it. They would not provide a reference number for my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
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:
Collection of XXXX Balance : {$370.00} XXXX : XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Filed numerous complaints against this company to no avail. I recently noticed Green Tree has my account XXXX ( XXXX days ) past due which is totally false. I have bank statements to proof it. billing showed a XXXX ( XXXX ) missed payments, even though my bank records showed they had cashed. This company are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Other

Complaint:
This complaint is more information for the one I mailed with submission number XXXX. I am attaching proof that my old employer, XXXX, paid the balance on the corporate card. The account is closed and has no balance. This was a corporate expense and does not belong on my personal credit report. Citi should remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX CHILD SUPP / {$30000.00} / XX/XX/2022

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