BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
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 graduated from XXXX XXXX university in 2016XX/XX/XXXXwith a XXXX XXXX XXXX where I specialized in XXXX. I work for a XXXX XXXX XXXX and am currently in XXXX school funded by my employer because I was not able to find a higher paying job with my degree. Sallie Mae calls my co-signer and I several times a day from XXXX XXXX XXXX XXXX XXXX to collect payments. I have a small child and cant afford to pay the amount they are requesting, they do not offer consolidation services, income based repayment, or any other payment plans without accruing interest and raising the total amount on your loan. Because of this my credit is very low and Im unable to qualify for refinance through another company to consolidate. Im currently seeing a XXXX to manage the XXXX  Im experiencing trying to manage this situation while balancing my personal responsibilities. I have asked about my options and have not been able to get a reasonable solution to help me pay off XXXX of debt for a 4 year degree.

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 2017-09-05
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt is almost 3years old yet they continue to remove and replace with incorrect dates so that the debt always looks like a new collection. I attempted to pay them years ago but gave up due to there collection techniques now they use improper methods to destroy my credit. I 've had to live with this on my credit for years but it is uncalled for for them to remove it every so often so they can make it look like new debt again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX- My Bankruptcy Attorney was told by a representative from Mr. Cooper that my home did not have a foreclosure sale date. I contacted Mr. Cooper and requested a loan modification application to be sent to me. I was informed my home did not have a foreclosure sale date from a representative based out of Arizona. XXXX I contacted Mr. Cooper again regarding the application being sent to me. Also, I was informed a second time my home did not have a foreclosure sale date. XXXX I received my loan modification application and a letter dated XX/XX/19 from Mr. Cooper to return the application by XX/XX/19. On XX/XX/19 I spoke to a Loss Mitigation, representative based out of Texas, who informed me my home was foreclosed and sold at auction on XX/XX/19 and is bank owned by Mr. Cooper. I was told eviction proceedings were not implemented at that time. XXXX My home is placed for a second auction and does not sell on XX/XX/19. On XX/XX/19, a notice was placed on my front door from Mr. Cooper instructing me to call. XXXX I spoke to a representative based out of Arizona , XXXX , who informed me the reason for the posted notice is due to Mr. Cooper offering me a second chance through a FHA program to help me keep my home. XXXX stated the application will be mailed out the same day ( XX/XX/19 ) and I should receive it in 3-5 business days. On XX/XX/19, a letter and 3-Day Notice to Quit, with a date of XX/XX/19, is posted on my front door from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. On XX/XX/19, I spoke to a Mr. Cooper representative, XXXX, notifying her of what occurred. XXXX informed me the program I was offered was longer available, the house is already foreclosed, and I need to contact the attorney regarding the 3-Day Notice to Quit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father XXXX XXXX XXXX was a patient at XXXX XXXX XXXX Pa. He was transferred from XXXX XXXX to this facility. I ( XXXX XXXX ) am the only family member left to sign him into XXXX. All I did was sign him in and sign him out. I was very clear that I was not responsible for any bills. He has XXXX and XXXX XXXX. I recently received bills and a notice that I was being sent to a collection agency for his medical bills. I called XXXX and questioned why I was receiving any bills. I wanted to know why the bill existed in the first place. He has been a patient there at least 2 times before. They told me that his XXXX XXXX was no longer valid. His payments to XXXX XXXX were electronically deposited so I do n't know why that is the case. I want XXXX to send the bills to the patient and not me. I was not a patient

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account status, despite being paid in full, has not been reported since XX/XX/2022. Despite several attempts to remedy this, Comenity agents are reluctant to provide clear information, and instead give vague blocks of time as to when they will do their due diligence. " Within XXXX billing periods '' when this has been going on for XXXX  months is wholly inappropriate and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: WELLS FARGO & COMPANY
State: FL
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:
This complain is about Wells Fargo Bank. when I pay my Wells Fargo visa credit card online, from my Wells Fargo checking account, the payment amount is taken immediately from my Wells Fargo checking account but not posted to my Visa credit card Account for a period of 3 days. I can not benefit or use the amount that I just paid on the card for 3 days. It will show online as payment in process. But when the funds of that payment are finally available, it will show online that the money was credited the day you made the payment 3 days before when in fact was not. I have used this same Wells fargo checking account to pay other lenders credit cards, and these others credit cards post with in 1 day or 2 of the payment, and that is the moment my money is deducted from my Wells Fargo checking account. I did complain with the credit card representatives by phone, and they said this is how it is. I end up paying off my balance on this Wells Fargo credit card and close that account. My complain is that wells fargo is playing with the money of their customers for at least 3 days, and this is not a fair business practice.

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: Enerson Law, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did a title search for the home me and my husband own, my husband passed away in 2016. There is a lien on my home that belongs to my son. My son is a XXXX so he and my husband have the same name. The debt is for medical bills that were my sons in no way am I or my husband responsible for this debt. The lien was filed in XXXX County Volume 1329 page 686. I have contacted XXXX and they told me they can do nothing. I contacted the attorney that is handling this Emerson Law XXXX XXXX XXXX, XXXX, WI XXXX spoke with a XXXX who told me I would have to do an affidavit and my son would as well etc. My son is a XXXX XXXX and I do not know when I will see him I might not see him before I close on my home - and why should we do anything when they put the lien on in error they need to fix it. I do not want to get to closing and have problems or for this to delay my closing. This is not my debt, it is not my husbands debt and it needs to be removed at once!

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: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
There 's a few things XXXX XXXX/ Navient has done to make paying off my student loans more difficult, and I think try to scam me out of more money. In XXXX I set up Auto payment to be paid on the same day of the month each month. On a regular basis they would change the date, often advancing it without notifying me. If I ever paid off more than was due, they would not notify me that it was just going against the compounded interest, not principle. After years of paying on time, not missing a payment, my interest rates are going up, and higher than the us market rates are going up, .5 % as opposed to .25 %. I 've paid over {$50000.00} in student loan interest and only {$25000.00} in principle, maybe. The fact that it 's compounded the way it is, I may just be reaching my principle. They will not work with me on changing interest rates, or any kind of settlement that will allow me to get a chunk of principle dept paid off. They 're just trying to keep me in debt for the rest of my life so they can make XXXX off a XXXX loan I took out. I think I 've been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I sent them my letters a few times first letter in XX/XX/XXXX they completely ignored my letters then i sent over letters XX/XX/XXXX and still no reply on theses items i disputed on my report its like they are just ignoring me.It hurts when i have to spend time and money to write letters to them for them to not give a reply on the status of this and they were suppose to get back to me within 30 days. please help.

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 2019-12-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, I called Citizens One Home Loans to inquire as to why my home loan was still being charged Private Mortgage Insurance as the balance as of XX/XX/XXXX was {$580000.00}. When my current home loan was consummated in early XXXX, the appraised value of my property was {$750000.00}. My loan-to-value as of XX/XX/XXXX is approximately 77.6 %. I received a voicemail from a XXXX in Citizens One Home Loans PMI Team who is requiring documentation indicating that there has been no decline in home value. This request appears to be in violation of the Homeowners Protection Act of 1998 's Termination of Private Mortgage Insurance ( 12 US 4902 ) provisions. I have not been late with a mortgage loan payment since the loan was consummated in early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
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 am filing this complaint because Equifax | XXXX XXXX | XXXX  has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Original creditor : XXXX XXXX XXXX  Balance details 100 % of this account is paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account.

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 2017-09-05
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Western Finance in the amount of {$1700.00} this company has stated that file lawsuit if I do not respond within 5 days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received numerous phone calls from sunrise credit services saying I owe XXXX XXXX XXXX XXXX XXXX XXXX when I tried to ask what the debt was for they said they could n't provide me with a detailed breakdown of whats owed. ( now they are saying it takes 30 days when I have repeated ask for this breakdown ) I tried to contact XXXX XXXX XXXX directly to get information but they too wont provide me with the final bill. I canceled my service with them. I turned in all equipment and if I owed that much money my services would have been cut off long before this debt reached XXXX. I was living in an apartment when I had these services and I believe this is not my debt. a mistake was made. either way why would I pay a debt for services I did n't receive or be harassed with phone calls and letters about a debt I simply do not owe. why if owed this debt does it not show on my credit report if this was from last XXXX. why would any reasonable person pay a debt or write a letter disputing debt if its simply not owed. I cant believe there are actually people who would write a company and talk about a debt they do n't owe. here is the account Information I received. creditior XXXX XXXX XXXX account XXXX another account listed is 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: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX I paid off my Account with XXXX XXXX XXXX in XX/XX/XXXX. I waited two months before I first disputed my credit report. The collection has been cleared from both XXXX, and XXXX, but Equifax fails to remove the collection from my report, even though it states that the collection has been closed, due to account pay off, and the account balance is XXXX. I call XXXX XXXX XXXX to make sure they reported it to all of the credit bureaus and they stated that they told all of them. Equifax still will not remove the collection from my credit. I 've called them and never get an answer, I disputed the collection over 5 times and I just did it again. Please look into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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: EQUIFAX, INC.
State: VA
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, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 finish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX : Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Ballybunion Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX , contacted my father on   XX/XX/XXXX  t o attemp collection on a debt i no longer owe in the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place.  <P/> I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt.  <P/> This debt was originally accrued in   XX/XX/XXXX .  It was completely pass the statutes of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: MO
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:
On credit carma it told me i was pre approved for two credit cards. So i filled out for both of them. I was not accepted to either one and it put inquiries on my report which made my credit score drop. I only filled it out because ive never had a credit card before and it said it would raise my score if i got one but it made it worse.

Company response to consumer: Closed with explanation