BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was three years into a fully funded Clinical Psychology doctoral program and Sallie Mae drained my bank account to negative - {$1500.00} leaving me stranded on the way to see a client as part of my doctoral clinical training. Needless to say, I did not make it to see my client that day who was struggling with a myriad of depressive symptoms. I was forced out of my doctoral program and am now stuck at a cieling I should never have hit due to their oppressive policy of not making accomodations for what is typically a 6-8 year program. Because it had been 4 years since completing my undergraduate degree, they did not care that I was on the way to being an expert in my field. I ended up turning to alcohol for relief which led to my entry into a rehab facility and left making the tough decision to forfeit my position within the class of 6 doctoral candidates that were selected from a pool of more than 1000 applicants ( a highly competetive and nearly impossible feat for a first generation college graduate in my family ). 


Sallie Mae encouraged me to default on my student loans so that I would qualify for income driven repayment following the first incident which tanked my credit and now I am sitting on {$100000.00} dollars of debt with the company and the income driven repayment plan is no longer in effect. I landed on my feet and work at a non-profit making {$82000.00} a year which is a fraction of what I would be making had I not had my career destroyed and path to success disrupted by such nefarious practices. I don't qualify for car loans, mortages, etc. While it may seem like I make a decent amount of money, I am paying at minimum 12 grand a year and barely scratching the interest accumulating on these loans. 

It's frankly criminal. I want to do things the right way, but it seems to me the only people being rewarded by class action law suits are the people who refuse to pay. If I were to refuse to pay my loans, I would not be eligible to work at the non-profit where I am currently employed and likely homeless. I have no savings, and barely get by between an outrageous car payment, rent, insurance, and food. What kind of backwards society sits by and watches bright young minds get crushed by big corporate swinging golf clubs as easily as they destroy dreams and the potential of a better world fostered by individuals with more intellect than their spreadsheet paper pushers will ever dream of having.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: LEXISNEXIS
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:
XX/XX/2022 I Followed up with LexisNexis about inaccurate XXXX XXXX information which they purchase third party from XXXX i have a active account with XXXX  and its clearly inaccurate information and dates that are present I sent paperwork proving the dates dont match up if thats not inaccurate information I dont know what is. 

To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FedLoan is my current loan servicer and after multiple emails, attempted phone calls ( some of which I was on hold for over an hour after THEY returned my call ), I have yet to be able to find up to date or accurate information/guidance on my TEPSLF progress. I would like more clear and accurate communication and less misrepresentation of actions they have performed on my account. Ive been sent letters that state an inaccurate about payments for TEPSLF that they say dont qualify when my records from studentaid.gov / XXXX show that the payments do qualify under the new guidelines.

I have several ineligible payments from my loans being automatically being put in in school forbearance during XXXX  school when I was working and able to pay but was advised not to because those payments would not count towards forgiveness.

FedLoan is misrepresenting their efforts and neglecting their responsibilities as a loan servicer as their accounts are clearly not accurate but FedLoan claims they are. Ive worked in XXXX for 13 years and have either made 120 qualifying payments towards forgiveness or had been mislead and instructed not to do so because that was what was best for the company, not for the costumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My updated credit report from Experian was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If XXXX has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXE Date XXXX inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXA Date of inquiry XX/XX/XXXX XXXX  XXXX NA Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXE Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry 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 explanation
Consumer complaint received 2017-06-21
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:
This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX also remove inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.

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 2022-09-07
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I've had three loans paid off with title max and none of which have been reported to the bureaus. I have one open now that isn't being reported to my credit either. If I default on the loan they will report it to my credit but they are not reporting any of the paid accounts or the one im.paying now which is predatory and unfair business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: AZ
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:
The list of inquiries and incorrect information was unknown and erroneous. The inquiries were pulled without my knowledge while the incorrect information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following inquiries and incorrect information removed accordingly. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021

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 2022-03-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2900.00}

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 2021-09-24
Company: EQUIFAX, INC.
State: MA
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/2021, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred to Creditor Contact : Not Available and I am no longer responsible for the account as I have never dealt with any creditor not available. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name and Credit Reporting Agency has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: AMERICAN EXPRESS COMPANY
State: CA
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 customer service

Complaint:
American Express XXXX includes XXXX XXXX. This allows lounge access and is one of the main selling points of this expensive charge card. The only way to enroll in XXXX XXXX is by calling American Express. However American Express customer service consistently has wait times over 30 minutes throughout the work week. Requesting call backs does not work, as i never got called back on separate occasions. It feels as if American Express is gatekeeping one of the main advertised selling points of the product i purchased. How can I receive my purchase without having to go through unreasonable steps to do so?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX TN XXXX or XXXX XXXX XXXX XXXX, TN XXXX also remove inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.

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 2022-09-07
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had an alert on my locked credit report from National Credit Adjusters on XX/XX/XXXX for a debt in arrears. I called National Credit Adjusters. Debt is from XXXX XXXX in the amount of {$700.00} taken out with drivers license that is not mine in XX/XX/XXXX. 
I have never taken a loan from XXXX XXXX. I have never received any communication from National Credit Adjusters regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022 I made two payments to pay for a camera ticket using my debit card from TD bank to pay for the following ticket : XXXX for {$290.00}. The first payment for {$290.00} ; I believe was not processed therefore I submitted another payment in the amount of {$290.00}. Both payments were withdrawn from checking account. I called TD bank in regarding this issue ; I was told to call the XXXX XXXX XXXX to have second payment dispute or I have to await until the payments was process because they were pending. I called XXXX XXXX XXXX office ; I was told only one payment was withdrawn from my checking account. I explained to them two payments were withdrawn from my checking account. I called TD bank and inform one of the accountant, XXXX XXXX XXXX XXXX will not refund me the second payment of {$290.00}. I was told by the accountant the transaction is still pending, I have to await until XX/XX/2022 for the transaction to process then I can dispute. On XX/XX/2022, the transaction was removed from my checking account however the funds of {$290.00} was not dispute or refunded to my account. The funds of {$290.00} vanished. The XXXX XXXX XXXX Clerk or TD bank would not refund me the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Credit Plus Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from Credit plus which was made on XX/XX/2016. I checked my credit report, which I acquired from XXXX. I have contacted credit plus, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting 30 and 60 days late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please Investigate and report the payment status positive and update all late from reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from Transion. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
State: MA
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/2021, XXXX XXXX : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred to XXXX XXXX : Not Available and I am no longer responsible for the account as I have never dealt with any creditor not available. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name and Credit Reporting Agency has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been a customer of Ally since 2015. Ally has incorrectly charged my account nearly {$1300.00} in late fees. I have contacted Customer Service on several occasions in an attempt to resolve this issue, but no one will assist me. Ally has refused to perform a comprehensive audit to justify the late fees. My payment is due on the XXXX of every month and the payment is paid no later than the XXXX in order to avoid late fees. Ally has suspended payments made online without a reason or justification. I am filing this complaint so that a full investigation can be done and the {$1300.00} is late fees are reversed as Ally applied these fees in error. I am XXXX years old and Ally has taken advantage of me by giving me the run around. Ally does not provide copies of all of the monthly statements online, so it is very difficult to track their accounting. I want a comprehensive audit done on my account and the late fees removed.

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