BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: Helm Associates
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a repo for an auto loan but I never received the amount that say they sold the car for. On my credit report it say about XXXX but when I talked to someone the said XXXX. I want proof of the correct amount the car was worth and sold for. If not I would like it removed from my credit. I also dont think I should have to pay XXXX in interest. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I can not fix this with XXXX XXXX, as I do not have the full account number, nor do I have an online account with 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 2021-08-04
Company: EQUIFAX, INC.
State: VA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested verification and validation of debt several times and this company refuses to provide to me. I do not know what this debt is and when I contact the company they can not locate my account with my SSN yet still continue to report this on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: SLM CORPORATION
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I obtained several loans through Sallie Mae to help pay for school, XXXX to be exact. The time is coming for repayment, I received a statement of what I would have to pay ( it was an outrageous amount ), so my grandmother kindly helped me and paid for two months, around {$660.00} total. It turns out that Sallie Mae did not apply that amount evenly to all the loans and XXXX of them became outstanding. I have called several times to have this issue fixed and it is STILL outstanding. Now they are lowering my credit score due to this issue that is completely THEIR fault. Additionally, they are also unwilling to work with me for a payment plan that I can actually pay. They also will not stop calling my poor grandmother due to this " outstanding '' loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have sent multiple complaints to CFPB about Wells Fargo, I am really not sure what the point is since CFPB basically allows the company you are complaining about to police themselves. Apparently we live at the mercy of major corporations who can behave in anyway they want without consequences. 

Wells Fargo ADMITTED TO ME that they made a mistake and debited my account {$1400.00} wrongfully but has YET to rectify this! Theyve been charging me fees on top of that! Its totally ridiculous and messed up. Ive tried to close my accounts but I cant until they resolve it!

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 2022-10-01
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 usc 1692g ( a ) ( 1 ).

Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.

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 2017-01-20
Company: SLM CORPORATION
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
While out of work and in financial distress, Sallie Mae strongly advised that I consider a forbarence on my loans. I have not been informed of any other payment options. Among this, I inquired on multiple occasions about receiving a reduction in the interest rates on my loans. With over {$70000.00} in loans, they were charging over XXXX % interest. They refused to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Select Portfolio Servicing, Inc RE : Account Number : XXXX The balance on this account should be reporting as XXXX. This account was foreclosed and sold. Correct or delete this account right away because this is a violation of the FCRA ( Fair Credit Reporting Act ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
while withdrawing cash from the atm i only received XXXX dollars of the XXXX i was charged for. {$160.00} was sucked back into the atm. i filed a complaint with the bank to do an investigation and after a week i have n't gotten any information nor gotten a provisional credit as promised

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft and I have exercised due diligence to repair my credit but false and fraudulently information hasnt been removed after multiple unjustifiable unauthorized accounts from multiple improper investigations violating FRCA Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
I look forward to a speedy resolution of this matter. 

I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681i

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 2021-08-04
Company: TFC Credit Corporation of California
State: CA
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:
" TFC CREDIT CORP '' IS REPORTING A BALANCE OWED AGAINST ME HOWEVER, WHEN TRYING TO CONTACT TFC CREDIT CORP, THEY ARE STATING THAT THERE IS NO BALANCE IN THEIR OFFICE UNDER MY NAME. I HAVE CALLED COUNTLESS TIMES TO GET THIS RESOLVED BUT WITH NO SUCCESS. TFC KEEPS TELLING ME THAT THEY CAN NOT LOCATE THE BALANCE. IF IT IS A TRUE DEBT THAT I OWE, I AM WILLING TO SETTLE IT BUT TFC IS NOT WORKING WITH ME. I ALSO MAILED THEM A " DEBT VALIDATION '' REQUEST OVER 30 DAYS AGO AND HAVE NOT RECIEVED A RESPONSE. THIS IS A VIOLATION TO MY FCRA RIGHTS. TFC CREDIT NEEDS TO DELETE THIS ACCOUNT FROM MY CREDIT OR UPDATE THE BALANCE TO ZERO. I HAVE ATTACHED A COPY OF MY IDENTIFICATION, THE DEBT VALIDATION REQUEST I MAILED TO TFC, AND A SCREENSHOT OF THE TFC ACCOUNT REPORTING TO MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have a private student loan through Navient ( formerly XXXX XXXX ). I feel this loan was made with predatory intentions. As I entered my final year of undergraduate education at Louisiana XXXX University in XXXX XXXX, I was told there would not be enough funding available and my only option would be a private student loan. ( Had I known how this loan would work I would have used another lender. ) I was referred to XXXX XXXX as it was the largest lender for these types of loans. 

After graduation I decided to continue my education and pursue a XXXX. After being accepted into the program it was another four years until I graduated with a XXXX ( XXXX ). The entire time interest accrued on that original loan at 9.5 %, which I feel is an unfairly high rate considering I had relatively good credit while working part time during college. Again, I needed money to finish school and should have looked for better options. So, now fast forward a year. What I did not realize was that I was only able to receive one year of forbearance on this loan. After graduation I made a series of business loans to start XXXX. My business has grown steadily over the last two years but income is irregular in that I am at the mercy of insurance companies for reimbursement. On some months income wanes and I do not make enough to cover all of my expenses. I called Navient to discuss a short one month forbearance so my credit would not be affected and was told I was no longer eligible and should just skip the payment. I did that and then later was able to catch up. Now we have a a bit of a slow period and I have not been able to make a payment for 4 months. I have spoken with Navient several times and usually were not willing to take anything less than the total amount past due. I spoke with them today and they offered a reduced payment for 15 months but I would need to pay them XXXX dollars by Friday. I do not have an extra XXXX dollars at this time. I was told I would be receiving a letter from their attorney. The person I spoke with liked to raise her voice quit often when I explained that my business and living expenses come first and then if anything is left I could pay the amount they requested. I am very frustrated with this company and have had very rude calls to my home line and my business line. I feel that this loan was originally made in a predatory fashion and I was taken advantage of as countless others have also been victims of this company. My original loan was for XXXX dollars. Now the debt is over XXXX. I have explained to them many times that I intend to pay the debt but they are no longer willing to work with me. Today they threatened me with wage garnishment. My response is that I would then be forced to apply for bankruptcy and attempt to have this debt either discharged in chapter XXXX or reduced in chapter XXXX. I do not want to do that but they may force my hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
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:
Multiple inquires on credit report did not apply! 

XXXX XXXX XXXX  Bank  XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX Bank XX/XX/2021 XXXX XXXX Credit Union XX/XX/2021 and XX/XX/2021 and XX/XX/2021 XXXX/XXXX  XXXX  XXXX  XX/XX/2021 XXXX XXXX Credit Union XX/XX/2021 XXXX  XXXX XXXX Auto Financing XX/XX/2021 Experian XXXX XXXX Credit Union XX/XX/2021 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 2020-08-18
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$100.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$660.00} XXXX XXXX {$490.00} XXXX XXXX XXXX {$4000.00}

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 explanation
Consumer complaint received 2015-11-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I can not pay due to a financial set back. They just keep calling me friends family and never sent me anything in mail or e mail to discuss. Call me after XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: SYNCHRONY FINANCIAL
State: OH
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:
please check this account that appears on my credit report, without any authorization, it is not mine. 
SYNCB/SAMSDC Account Number : XXXX**** This is not mine.

SYNCB/SAMSDC Account Number : XXXX This is not mine.

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 2023-02-06
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with XXXX XXXX XXXX, a bank both my mother XXXX XXXX and I have been a customer of for over 20 years. 
XXXX XXXX XXXXXXXX told me that they " can not stop me from applying '' but after my credit was pulled in connection with a mortgage application, I got no information as to how much I qualify for. I was told by the last loan officer who spoke with the manager, and he told me that I do not qualify for anything because I owe a debt that was not disclosed to me. I had requested through CFPB to know about the loan since XXXX and earlier, and I got a response from XXXX XXXX XXXXXXXX that " I am an unauthorized third party " and I do not have permission from the clients who actually took the loan out to know anything at all. ( attached ) I also contacted Nationstar ( mr cooper ) and they told me that the loan is XXXX. But that I am an unauthorized third party and I can not have access to the information. 
Both banks took my mother 's cash through an entity called XXXX XXXX about XXXX dollars CASH and how come the note went from XXXX to XXXX after paying more than XXXX cash? 
We went to the XXXX XXXX  and they told us that they had sent money to both banks, XXXX XXXX XXXX and nationstar and that the money was paid according to a real estate contract filed in XXXX XXXX XXXX clerk in XXXX. 
That the banks attorney wants to sell our house keep my mothers furniture, house and retirement for the debt of others because the banks kept on writing checks for their clients XXXX XXXX and XXXX XXXX since XXXX when the prior owners bought the house for XXXX. Since then both banks have written checks until recently of XXXX to the order of their clients and for an undisclosed amount but now the banks want to cash in all the discharged loans on the monetary equity of the house. we contacted the attorney and he sent us some paperwork redacted that is old of a note XXXX XXXX payments ago. The bank got our cash from my mom and I, and mom was put in the rec because my income in XXXX was not enough to pay the XXXX monthly payment that the real estatte contract was based off. My income now can pay the mortgage but the banks inflated the mortgage to match the equity on the house after we paid about XXXX cash to both XXXX XXXX XXXXXXXX and natiosntar.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: First National Collection Bureau, Inc.
State: WA
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:
I had my old apartment stripped and robbed top to bottom along with the XXXX equipment and instead of inquiring with the police department like they were supposed to they sent the debt onto a collections agency charging me personally for the stolen equipment. 

I notified XXXX of this and they did n't care that someone had been charged and sentenced in the theft of their property they just want to blame me while blindfolded and ear-plugged to all reality. 

I think they just do n't care about their customers at all and its just quicker/easier to condemn the first name they see on their screens rather than investigating or contacting the customer. I never received any communications from XXXX alerting me to their internal decisions or reasoning. And without notification they ruined my credit by placing a collections for XXXX dollars. 

I will never be able to pay this amount nor should I legally be held liable for stolen property that a criminal has been charged and held responsible for by a court of law. If the government is unable to persuade you into doing what is right then I will find justice with my lawyers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I took out a student loan at XXXX XXXX. The school went under but I was still at that point obligated under the loan. I ended up filing a Chapter XXXX Bankruptcy and received a discharge with the understanding that I would still be responsible for this loan. After the filing of the bankruptcy they refused to talk to me and reassigned the loan to my ex-wife who was co-signor on the loan. The student loan company has refused not only to talk to me ( because they claim I do n't have a loan with them ) but they also will not accept a payment. As this is my obligation my ex-wife could attempt to hold me in contempt of court. I am trying to figure out how I can pay my loan. The Credit Provider is Navient. I have on several occasion attempted to talk to them about this and there has been no resolution.

Company response to consumer: Closed with explanation