BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I graduated on XXXX XXXX, XXXX. Toward the end of my six month grace period after graduation, I requested Forebearance for my XXXX loans with Sallie Mae. I was living in XXXX and Sallie Mae instructed my parents to call every three months to pay a fee and renew the forebearance. I was first charged a {$150.00} ( {$50.00} per loan capped at {$150.00} - this shows on my account payment history as {$25.00} for each loan ) fee for forebearance on XXXX/XXXX/XXXX. My parents called again and my next charge was completed on XXXX/XXXX/XXXX. My parents called again and my next charge was completed on XXXX/XXXX/XXXX. For my final 3 months of forebearance I had left ( forebearance may only be used for a total of 12 months ) I called Sallie Mae and was charged on XXXX/XXXX/XXXX. After this transaction my account showed that my next payment would not be due until XXXX/XXXX/XXXX. Recently, we began receiving calls that I owed a payment to Sallie Mae for the total amount of my monthly loans. I have spoken with Sallie Mae at least every other day for the past XXXX weeks. I continue to be told the problem will be resolved on my account and nothing changes. At the top of my account loan summary, there is an alert that all XXXX of my loans are past due. As you continue down and look at each loan, there is a statement below each that states " In Forebearance - No Payment Required ( estimated principal & interest payment due date XXXX/XXXX/XXXX. '' My transaction history shows late charges for each loan. My cosigner, in an effort to stop the constant telephone calls from Sallie Mae, was told he could pay an extra fee of {$150.00} for one more month of forebearance. This does not make sense because if I paid on XXXX XXXX my final three months of forebearance, then I ca n't understand why I received late charges on XXXX/XXXX/XXXX. If there truly was a problem with payment, no one informed us of this at any point when my parents or I spoke with Sallie Mae to renew my forebearance. 

I am completely frustrated trying to resolve this serious issue with Sallie Mae, who seems to have a different record than I am reading in my account. I can never speak with the same person, and I am assured the problem will be resolved within 24 hours on my account and it is not. I am concerned if Sallie Mae and I can not reach the point where all of this is resolved that it will unfairly affect my credit. 

Thank you for your time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-27
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
LexisNexus continues to report to other credit agencies false information. I have contacted them and provided a valid ID of me. They have refused to accept my ID as identification stating that my address doesn't match their records. Which absolutely proves that the info that they have is false. I requested a credit freeze and they have refused. They are violating the law and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide e documentary evidence.

I have never done business with your company and have no legal obligation to pay you for any services.

I demand that you cease all communications. Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Struggling to pay loans due to current income when I got behind I received numerous letters from Sallie Mae stating to call to find out repayment options. Well, when I called I got very rude answers and was told there were no options for me besides to pay my loan. When I mentioned, I was told there were other options they refused. Consignor even called and was given same cold shoulder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: FL
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX  XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX   XXXX DEPTEDXXXX 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

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 2020-03-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collections account in the amount of {$430.00} that is being reported by XXXX XXXX XXXX in error. 

XXXX bought my account from Synchrony bank in XX/XX/XXXX. On XX/XX/XXXX, I wrote to Synchrony and XXXX asking for the date of delinquency because I believed the debt was to old to be reported on my credit file. XXXX sent a letter, in XXXX, which I dont speak. However I was able to have the letter interpreted and was told that it stated an investigation was being conducted. 

I received two letters from Synchony bank dated XX/XX/XXXX. One letter stated that they contacted the credit agencies and asked for the trade line to be removed from my consumer credit report. The other letter from Synchrony directed me to contact XXXX for any questions. I tried to contact both via telephone to find out the status of my inquiry to no avail. 

I want to know what is the status of my inquiry to both Synchrony and XXXX and when will the incorrect trade line be removed from 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 2022-08-18
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CAINE & WEINER XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAINE & WEINER XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXXXXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX LOI SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Sallie Mae student loans taken out during pandemic affected my gpa and status to receive federal student aid eligibility. Cant afford to pay what they are asking and co-signer wont be released without graduating. Changing in learning during and following pandemic has shifted my future plans regarding higher education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Hello, I am a XXXX XXXX XXXX from the University XXXX XXXX XXXX in XXXX XXXX, Ohio. 
I am writing to inquire about what the terms or grounds for harassment are regarding a student loan lending company? I am struggling to find a stable and secure position within my degree field and I have every intention of paying back what I owe in debt. However I am in a position that I do not possess the financial means to pay the lump sum they are demanding. 

I have pleaded for a deferment so that I can find a job and not have the added stress that they are burdening me with. They call my house dozens of times a day, at all hours of the day from very early morning till XXXX or later. They have also called my grandparents yesterday, and today have contacted a close friend from XXXX. 

I am a XXXX and have no knowledge of law when it comes to something that pertains to this predicament, I am just at wits end and plan to pay most of what I have in savings just to get them to subside for the time being so that I can devote more of my time to finding a stable job. 

Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Novad Management Consulting LLC
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have a property listed that has a reverse mortgage. Novad is the mortgage company but FHA is the servicing company. The property is supposed to close tomorrow XX/XX/22. The escrow company has reach out for a payoff a number of times, including written and a phone call ( Per the servicers instructions. Several calls were also made. According to one of the last conversation escrow should of had the payoff to XXXX ( Escrow Company ) that they should have the payoff by XX/XX/22. Still no payoff and no explanation. 

The seller desperately needs this sale to close. It's a cash buyer and they want the property as agreed. 

We ( seller, sellers representative ) are anxious to get this done for her. She is nearly XXXX yrs old and can no longer maintain this property. Her family has already made arrangements to move her to a retirement home near them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide e documentary evidence. I have never done business with your company and have no legal obligation to pay you for any services. I demand that you cease all communications. Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: NV
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:
Information on credit report is unverified misleading and inaccurate.

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 2017-01-25
Company: Performant Financial Corporation
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A woman named XXXX from Performant Recovery ( XXXX XXXX XXXX XXXX, OR XXXX ) is calling my XXXX mom to get information on me. I have already informed them that I will take care of the debt once I can. They told her that I gave them permission to call her. I have never put my mom 's contact info on any of my doctor 's forms or student loans. They keep calling her repeatedly.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to a few dealerships that said they would pull my credit report just for their dealership, however they pulled out quite a few hard inquiries. The other hard inquiries listed, I just do not recognize. I have tried to call the numbers listed directly to tell them to provide proof that the inquiries should be on my report, but they told me to contact the credit bureaus to take it off my credit report. So I asked the credit bureaus, and they told me to call the companies directly to take it off my report so I am getting the run around at this point. Listed are the hard inquiries I need removed from my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DELAWARE XXXX names are also not correct : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following XXXX are not correct : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 2020-03-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/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 2015-07-14
Company: Van Ru Credit Corporation
State: NC
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The Van RU corporation failed to send me a notice and now there gurnishing my wage. I told them I could not afford to my living expenses nor pay my lease. I 'm about to become homeless and unemployed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17
Company: OUT TECH, INC.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have medical XXXX welfare and he covers all medical bills XXXX hospitals bills ) during that time I do n't have any outstanding. and I told that to the collection office XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: T.S. Holdings
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never gave permission to access my credit report and perform Hard Inquiries to the companies listed here. 
1. XXXX XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX Accounts : I disputed below accounts with XXXX  on XXXX. My dispute completed and XXXX  did not deleted these accounts Collection Accounts : I do not know these collections accounts. 
1. XXXX XXXX XXXX - {$1500.00} 2. IQ DATA INTERNATIONAL -  {$900.00} 3. XXXX XXXX XXXX - {$12.00}, XXXX. 
Credit Cards : I disputed below accounts with XXXX  on XXXX. My dispute completed and XXXX  did not update the accounts. 
I disputed Credit cards : Closed and Balance amount and Unauthorized charges 1.  XXXX XXXX XXXX  XXXX XXXX - {$3700.00} 2. XXXX XXXX XXXX  - {$1300.00} 3. XXXX  XXXX XXXX - Master- {$790.00} 4. XXXX  XXXX XXXX- Visa XXXX {$1800.00} 5. XXXX XXXX XXXX XXXX - {$16000.00} Kindly help me. 
I am the Victim of HARD inquires, un-authorized charges. 

Regards XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to XXXX  XXXX, XXXX, XXXX transunion and any other parties who have access to my information and 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 2016-06-22
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: ME
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a HSA account with hsabank, a division of Webster Bank N.A. from my prior employer. My new employer offers the high deductible medical coverage with a HAS account and it turns out my new employer also uses hasbank. In early XXXX of 2016 I called hasbank and requested they transfer the remaining funds from my prior account to my new hsa account with my new employer. The hsabank customer service representative took my information and submitted the request. As of XXXX XXXX, 2016 the transfer has not taken place. I have call hsabank several time to ask why and the customer service representative was very nice but they could not tell me why the transfer had not taken place other than to say that they were several month behind in processing requests.

Company response to consumer: Closed with explanation