BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted 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 2022-09-07
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX, bearing Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a 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 purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo stated I can not obtain the COVID modification due to the deceased being on the title and the inability to clear the title. 
please see supporting document the deceased is not on the recorded mortgage. 
Please help me save my home. I have been paying each month and just would like to move forward from this year long situation.

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 2022-08-30
Company: SLM CORPORATION
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:
The Creditor may not treat a payment on an account under an open end consumer plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: ALLY FINANCIAL INC.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive multiple phone calls from XXXX till XXXX sometimes everyday if I dont pick up. 
I have a DO NOT Call at work on my account and they have called me at work.

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 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2017-05-24
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently in the process of refinancing my mortgage with  XXXX   XXXX . My goal it to use this opportunity to pay-off a second mortgage on this property from Ditech. Since,   XXXX   XXXX   XXXX   I have requested that  Ditech  provide a Copy of my Note that I can present to  XXXX   XXXX  as part of the process. Ditech promised to have this to me within  3-5  days. I have called them and emailed them multiple times to follow up on this request and I still do not have this document as of   XXXX   XXXX   XXXX       The original loan was back in  XXXX  from  XXXX  and has transferred multiple times over the years  (   Greentree, Ditech ).      If  Ditech  can not produce the Note, do I legally owe them the balance if they do not have a copy of the agreement?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a capital one customer. I opened my account online and wasnt aware that I cant use any other bank to deposit cash in my capital one Account. I searched my app and it didnt said anything about deposit or withdraw instead gave me nearby atms I could use. I assumed that I could use it to deposit too. I used associated bank atm to deposit cash. The atm rejected my transaction and started dispensing my money in few bills at a time. I wasnt able to pick all the bills and atm took it back. Since I dont bank with associated bank I could file a complaint with them. I called my bank capital one several times since last year XXXX when it happened that how can they help me but they refused to help me in anyway. Finally associated bank reached me and told me capital one needs to request credit adjustment on my behalf to associated bank so they can reimburse my money. Capital one over and over again refused to help me and didnt provide me any solution except they dont do this procedure. Most of the customer representatives including the manager have been extremely rude to me and refused to help me for anything as its not their ATM and its not their problem. Associated bank wanted to give me my money back but my own bank is not helping me in anyway to get my money back. I request capital one to please send associated bank an adjustment request on my behalf so I can get my money back please but looks like they dont care about their clients

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: CHALLENGE FINANCIAL SERVICES
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My car loan payment was due yesterday. I was laid of from my job 2 weeks ago because of corona virus .I started a new job last week but don't get first check until XX/XX/XXXX .I asked if I could postpone payment .Advised that I had to pay late payment fee by Tuesday XXXX XXXX which would be XXXX Told them I couldn't and when I asked if they would work with me because of situation was berated and asked well do you want your car for free. Extremely rude.Askedto to speak with Supervisor her name was XXXX who reiterated that I had to pay late fee of XXXX but she would extend it until I get paid. My payment is approx XXXX So their late fee is almost 30 % of my payment Many of the other car companies are working with their customer waiving car late fees etc but challenge financial are not doing so at all. I have bad credit and struggled to get a car loan and feel that they are milking the current situation for their financial gain Shame on them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: CORELOGIC INC
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
CREDCO XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Showing late payment this is inaccurate. 


XXXX ACCT : 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 2020-03-29
Company: SYNCHRONY FINANCIAL
State: AZ
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:
On XX/XX/2020 I made a payment to my TJX credit card using the bill pay with my new account, through XXXX  XXXX XXXX. I had made several payments in the past with another account but I had to enter the credit card numbers in again because I was paying out of a new account. The card is black and I mistook the 3 's for 8s and made the payment. The payment came from my account tied to my name and address. The payment never posted so I called them. They saw that the payment was made but said that they would have to do an investigation to see where the money went. He mentioned something about it had paid someone else 's account and told me that I should fix it with my bank. I told him I couldn't because the bank already paid them. He said the investigation could take as long as 2 months and my money would not be returned until they finished the investigation. I have tried several times since to reach someone through thier website but am only able to contact bots.

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 monetary relief
Consumer complaint received 2020-03-30
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am currently unemployed and do not qualify for unemployment benefits. I have explained this to XXXX   multiple times and they simply state they can not help me and that my loan with default in 180 days as i have exhausted all my possible benefits such as their MPT program. I made timely payments when employed. Now that I am unemployed they want to increase my monthly payments from {$730.00} to $ XXXX  monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out multiple loans over the course of my 4 year college education. I had no idea how predatory these loans were and the harm I was doing to myself in the long term. When I graduated I owed {$32000.00} between different subsidized and unsubsidized loans. Not knowing what I was doing or what I had set myself up for I defaulted on all my loans and eventually owed over {$63000.00}. I was put on a rehabilitation program and after a lot of time and money, I have my loans down to {$41000.00}. Navient provided no assistance throughout this process and I 'm currently on an income based repayment plan because of a third party company. For years my payment was about {$210.00} and my interest monthly was {$180.00}. I was throwing pennies at this mountain of debt with no end in my lifetime. I imagine this dark cloud of debt hanging over me for the rest of my life. 6 years after graduating college in XXXX, I owe nearly {$10000.00} more than I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Focus Holding Company
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Focus Recievables Management calls my home multiple times a day. When I answer, it is just a recording asking me to call back. I do not owe any debts to any company, so I attempted to call back 4 separate times to ask them to stop calling me. Each time, the line says all representative are busy. Yet, the company calls me nonstop.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Account status incorrect

Complaint:
The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX XXXX XXXX XX/XX/XXXX, they have called me several times and sent emails.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX XXXX XXXX XX/XX/XXXX, they have called me several times and sent emails.

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 2015-04-18
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax shows public records that I had Federal and Hawaii tax liens fied on XX/XX/XXXX These liens were the result of my incorrectly filing returns ( missing information ). The state lien was filed automatically becuse of the Federal lien. After contacting the IRS and filing an ammended return from XXXX, it was determined that no tax or penalty was due and the " bottom line '' on XXXX returns was correct - {$0.00} tax and/or penalties due. The IRS released their lien on XX/XX/XXXX. I was in contact with the XXXX tax office ( from XXXX ) and sent a check to cover the expense of releasing the lien. After talking to them today, I discovered they had sent me some additional information by mail ( not to my residence ) that I never received. The result was that the Hawaii Tax lien was n't released until XX/XX/XXXX. 

After being denied credit because of " derogatory information '' in public records, I obtained this information in XX/XX/XXXX. However, this derogatory information - tax liens - were for taxes that were never owed, and still remain on my credit reports. The tax agency says it only releases the liens after being paid a recording fee, etc. and I never responded to the mail that I never received. So, I am paying more for credit because of the liens that never should have been filed, and there is no way to remove them from my credit report. I believe these liens should be removed from my credit report because I never owed any debts, additional taxes or penalties. But the credit agencies keep this derogatory information on my record for XXXX years. I request that these leins be immediately removed because, they are there to alert credit providers of records of not paying owed debts. There were never any late payments made or due. There are no other derogatory items in my credit report, so it is not fair to continue to penalize me until XX/XX/XXXX for a lien that should have been removed and not only " released. ''

Company response to consumer: Closed with explanation