BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to Jefferson Capital and requesting information in which I have yet to receive a response. Jefferson Capital is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
We had already had an issue trying to settle our account with Care Credit by synchrony bank, and after filing complaints we had a representative from synchrony bank call us. She stated that we should have been offered a settlement, and that things were not handled correctly when we called before. At this point we had caught our account back up, and were not late on any payments. Our account was in good standing. She said if we just paid {$99.00} more dollars we would meet the settlement we should have been offered. We went online, and paid the amount immediately. This was done on XX/XX/2020. We then received another bill from them, and it shows the {$99.00} paid on it, but we still owe a balance. So we called the lady that we had talked to twice, and she has still not returned our calls. Now we are receiving automated collections calls from them.

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 2015-07-29
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan payment, set by my private lender, is in excess if {$2000.00} per month. I, however, make just over {$3000.00} per month - post taxes and other withholding fees. After explaining my situation to my lender and trying to find pathways to reduce my payment to a financially feasible amount, the best they seem able to do is reduce my payment to just under {$1000.00}. 
I understand that my total loan amount with this lender is nearly {$200000.00}, but a more realistic payment would be attainable if my interest rates did not range from 7.25 to 10 %. I have continued to make " good faith payments '' to demonstrate that I am willing to pay and in no way attempting to blow off my responsibility, but being a that I only graduated XXXX months ago, it is virtually impossible for me to come-up with the type of money they are demanding. I would turn to my family and my cosigners, in particular, for more help, but the required repayment and subsequent repayment options offered by my lender still leave us desperately inadequate. 

I am currently seeking higher paying employment and ways to reduce my living expenses, but my options and professional growth as an XXXX are limited as a direct result of my crippling student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Credit Counsel, Inc.
State: FL
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:
XXXX of XXXX and XXXX billed me for a repair that is covered under first year warranty and refused to repair damage to my ceiling caused by this malfunction. I have done my best to work with XXXX to no avail. The owner of the company, who was more than happy to spend time with me during the purchase, now refuses to speak to me in person, on the phone, or by email. Without any notice, they turned it over to a debit collector called Credit Counsel, Inc I have sent Credit Counsel , Inc. certified mail within 30 days of there notice to me stating that I am disputing this invoice and to not contact me again. Credit Counsel, Inc. have called me twice since signing for the the certified mail and have be dishonest about receiving my certified mail.

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 2016-04-07
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card
Issue: Payoff process

Complaint:
In XXXX XXXX, I received a letter from NFCU stating my credit card interest rate was being changed from 6 % to 17.99 %.. I contacted NCFU to try and work something out to lower the rate. They referred me to personal finance management. asked me for all of my financial information. While working with the finance mgmt., I received numerous calls every day. XXXX to my cell phone and XXXX to my home phone. THey declined to do anything about the interest rate. THey told me have my daughter quit he guitar lessons, sell my car, get a second job and put my kids to work. They then called me and said I was approved for a lower rate program if we scheduled a one time payment of {$230.00} and thereafter XXXX per month for 5 years to get the card paid off. We scheduled this payment for XXXX/XXXX/XXXX. I then received a call on XX/XX/XXXX that I was not in the program there is nothing they can do " and that I have plenty of money ''. They calculated our finances and we came out negative {$130.00} every month - to then say " You have plenty of money '' is not right and I am upset. I requested to speak with a manager and have not received a return call. I left a voicemail and e-mail. I have been harassed over this card, while trying to work something out to get it paid.off. I am frustrated. Please help.

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: MD
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:
The credit bureaus Account name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this ground for removal. 

They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The Law clearly states consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( I ) ( ii ) : The Law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of 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 non-monetary relief
Consumer complaint received 2015-08-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep receiving calls from Wells Fargo Home Finance indicating that someone named XXXX at my number needs to speak with them. There is no XXXX at my number and I 've had this number for 5 years. I 've received 17 calls in 7 days including weekends and I 've told them numerous times to stop calling me as I am not the person they are trying to reach.. This is ridiculous and they wo n't stop despite telling me they will stop stating " It takes time to remove me from their call list ''. XXXX it does n't. They pull up the record to my number and told me how many times they called me as soon as I tell them to stop calling me. This is carelss harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a Chase Southwest Airlines Credit Card in XX/XX/2021. I was to receive a {$200.00} statement credit and XXXX reward points after spending {$1000.00} in the first three months. Chase is refusing to deposit the reward points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a Victim of fraud and there are several accounts on my credit report that do not belong to me. I request legal documentation regarding information transmitted to credit reporting agencies for me, with regard to the asserted accounts : XXXX  - XXXX XXXX, XXXX  XXXX XXXX- # XXXX, XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX- # XXXX, LVNV FUNDING LLC XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX College, Experian and XXXX are all working together in a fraud collaboration. I WANT THE FRAUDULENT INSTALLMENT LOANS REMOVED FROM MY CREDIT FOR THE CLOSED SCHOOL. I never ATTENDED or BORROWED any money FOR THE SCHOOL.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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 2020-06-12
Company: Experian Information Solutions Inc.
State: ME
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: Problem with personal statement of dispute

Complaint:
Filed original complaint on XX/XX/2020 that I cant get into my account by either internet or phone. Every time I call someone from outside the USA wants my social security number and I will not give my personal number to someone who resides outside of our country. 

I want simple instructions to access my Experian credit freeze file without all this hassle. I reported this and they closed the complaint without helping me get into my credit file. The response was that they needed a credit card number so THEY COULD CHARGE ME! 

This is outrageous. Again, I am complaining that I do not have REASONABLE ACCESS TO MY OWN CREDIT FILE.

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 2015-12-26
Company: Netspend Corporation
State: IN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I purchased a prepaid credit card from XXXX when I opened the package i did not like terms of service and fees so I asked for a refund of my money. Was refused and told I have to use the card. I then tried to register it and the site said it was expired so I called the company and was told I have to purchase a New card and pay for it. I refused. I called several times and finally It took over a year to receive the new card with no fee and when I did I registered it and checked the balance. It was {$0.00} so I called them and was told that the maitence fee used up my balance. I never had a chance to use the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with XXXX XXXX. It was transferred in XXXX to Carrington Mortgage. I have been calling Carrington every week trying to make my monthly payment. Every time i call the agents either hang up on me or tell me i cant make any payments due to covid-19. I was told to log in online and make a payment. I have tried to set up an online account but it says that they cant find my loan in the system. When i call Carring support for help no one can help me set it up. I WANT to pay my bill and they are not allowing me. I need help so this does not damage my credit scores. My cell phone is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: NY
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 a fraud account XXXX/XXXX/XXXX my information was stolen in the equifax data breach and this account was open with stolen information, Current shows as a charged off account with a XXXX balance seem the debt was sold to another debt collector by the name of XXXX XXXX XXXX  and a collections of XXXX is listed my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We purchased our home in XXXX. In XXXX my husband, who is the mortgage holder, became permanently XXXX. We began having difficulty making our mortgage payments and since then we have exhausted all of our funds i.e. IRA 's, Stocks etc. in order to make our mortgage payments but unfortunately the last mortgage payment we were able to make after exhausting all of our funds was in XXXX XXXX. Since then Wells Fargo has begun foreclosure proceedings. We have had our first foreclosure conference so far and the XXXX conference is scheduled for XXXX XXXX, XXXX. During the XXXX conference, the referee told us that we had to apply for a loan modification but in order to be approved we had to increase our income. I explained to her that I am seeking employment but that right now our only source of income is my husband 's social security XXXX income I also informed her that we can access my husband 's pension early if we choose to and that in XXXX XXXX, I can retire at age XXXX. The referee said that we should include in the modification request, proof of how much additional income we will be getting with my husband 's pension and with my social security, which we did. A Wells Fargo representative called today stating that our modification request was denied because a ) our investor does not participate in HAMP. When we first got our mortgage, it was a XXXX XXXX mortgage ( who does participate in HAMP ) but I was told that it has since been sold and the investor now is XXXX ( XXXX, who does not participate in HAMP, ) and B ) our income is too low. I asked how it was determined and I explained again about the pension and retirement income but he said that those amounts could not be taken into consideration because we are not yet receiving that income. I would also like to add that we do not have major credit card debit, we do not have an auto loan ( our car is 8 years old, ) and the only reason we are in this position is because my husband became ill. He is an end XXXX. He is XXXX. He is currently in a XXXX and will be coming home hopefully within the next month after having been in XXXX on and off for almost a year. We do not want to lose our home that we worked so hard for and we are respectfully asking if there are any other options for us. We have not yet received a formal denial letter for a loan modification. A Wells Fargo representative called me today by telephone to alert me of the denial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an account with Credit Check total. I logged in a few days back and discovered within XXXX weeks a number of unauthorized inquiries processed with about XXXX weeks spend of each other. I am not activity seeking credit a this time SO I require a removal of all unauthorized inquires as this is not right! 

I have now enclosed two items with My address which I judge to fulfill your requirement for a complete investigation : 1 ) My State Drivers License 2 ) My full credit report from Experian Credit report showing my address

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 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was due to have my XXXX the day I graduated from college. As a XXXX year old college graduate a child was not in my initial plans, but strived to become a successful mother and start a successful career with my quality education. However, with the inability to find a job that would even pay for the time my child would be daycare my dreams of a career faded and I needed to find a job to pay for my bills month to month. Currently working XXXX jobs to try and pay the bills. With my grace period coming to an end on my loans I sought help from Navient & XXXX XXXX. XXXX XXXX was willing to let me pay interest only payments which I could afford. The only options Navient gave me were either pay the full payment or apply for forbearance. After several phone calls with the agency, countless hours on hold and so many tears of hopelessness it 's hard to see a positive financial life past my student loans. I do n't want to ruin the good credit score I have because I have a goal to buy a house for my daughter and I some day. I found it hard to believe my only option to pay my loan was either full payment or forbearance. I could pay one of my loan payments with the forbearance amount ... They explained to me that the payment option I chose when I started my loan which allowed my mom to make small payments while in college meant that I could not chance my payments post graduation. If this was properly explained in any fashion weather verbal or written communication with this company we would not have chosen this option. My mom was just trying to help me by paying a small amount each month. All of my private loans were originally taken out by XXXX XXXX, but XXXX of my XXXX loans were transferred to Navient during their switch. I spoke with someone in the Navient collection department who was helpful and informative about how to get my payments to the " level repayment '' or " workout program '', when none of the people I spoke with said even existed. He said these programs only accessible through an application and me missing payments ( which after missing 3 payments would effect my credit score and bring on weekly/daily phone calls from the company ). Though he was the only helpful person i 've ever spoken with through Navient he admitted that the process was not easy to get approved for. I have paper work, numbers and countless conversations with people I tried to seek help from. I saw your lawsuit and felt my story would be beneficial to hear from. 
I attended XXXX in XXXX XXXX Ohio. Graduating with a degree in XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX BANK IS REPORTING ACCOUNT XXXX AS CHARGE OFF I NEVER OPEN AN ACCOUNT WITH THEM. I CONTACTED THE CREDIT BERAU AND THEY WONT DELETE IT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I really need help because I have been disputing a few accounts on my file for a few months and I am getting no where with the bureaus. I asked for their assistance and I did not receive it. I asked for them to put a temporary fraud alert on my file and they did n't. I asked for the documents that were used to " verify '' these accounts and they did not provide them. this is my last resort and I have already consulted an attorney in regards to bringing a lawsuit against them. why are they making this so difficult to remove these inaccuracies when that is their job to make sure this stuff is actually accurate? They did not investigate these accounts and if they did, they would have the documentation to validate these accounts.

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 2020-06-12
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX  & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

Company response to consumer: Closed with explanation