BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
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:
I was a victim of predatory lending when in XX/XX/2005 at XXXX years old, I enrolled in the for profit school XXXX XXXX University. I was the first in my lower middle class family to attend college so, needless to say, I did not have a lot of guidance on school choice and student loans. I was on my own to figure it out. 

The schools financial aid department set me up with Sallie Mae as my lender to cover cost of tuition and room & board. Sallie Mae said I could only take out $ XXXX in federal loans and that the rest would have to be private. I barely understood what this meant, but I really wanted to go to the school so I took out the loans. They gave me, a XXXX year old, a $ XXXX loan with no co-signer and then another $ XXXX loan with a co-signer. I believe I would have been allowed to take out more in federal loans at that time as well. 

By the time I got my XXXX XXXX one year later, my larger loan was $ XXXX with a 17.75 % interest rate and the smaller loan was $ XXXX with a 13.5 % interest rate. At XXXX years old, after the 6 month grace period, I was unable to afford my $ 1000+ per month bill. Rather than steer me into an income based plan, Sallie Mae enrolled me in forbearance for the maximum amount of time. I didn't even know an income based payment plan was an option. I struggled to find work in the field so I went on to get my XXXX XXXX from a public university and further defer my payments. 

Now, a decade later, my private loans alone are at $ XXXX. I can barely afford to make interest only payments and am only seeing my balance rise. I have no credit card debt, no car debt, no mortgage. My husband and I want to start a family but even with our middle income salaries, we live pay check to pay check and have no idea how we would support dependents. I am unable to consolidate the debt because it is too high and my debt to income ratio basically prevents me from taking out a small business loan or any other type of loan. 

The income based plan Navient has me in now is not actually based on my income and never will be. In fact, every 6 months, the program requires the interest go up .5 % so I'm seeing my monthly bill increase by $ XXXX every 6 months. It's back up to a rate I can barely afford but they wont bring it down even though my income remains constant. 

I would have no issue paying a fair interest rate on the loans, but a credit card interest rate for student debt is not what I would consider fair. I believe the lender and school were working together to defraud vulnerable young students. Im working in the public sector with the hopes that at least my federal loans will one day be forgiven ( if PSLF remains in effect ), but I anticipate paying Navient exorbitant fees for life unless these lawsuits against them work out in the favor of us borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've been working with them to defer but it seems like they were lying to me about deferment for months. Now my loan is charging off in the amount of XXXX and with principal loan of XXXX. I need help with this situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Bread Financial Holdings, 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:
I have been a victim of idenity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: Rocket Mortgage, LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket Mortgage ( Quicken Loans ) charged me {$500.00} for my consent to proceed 3 days after I applied. They changed the loan amount from {$81000.00} to {$86000.00} without my knowledge or approval. Are they allowed to do that? Can I get that back?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I put money down on a vehicle ... In TILA 15 USC 1662 Advertising of down-payments and installments ; clearing states it is illegal The dealership is XXXX dealership in XXXX, IL, the salesman there told me I need XXXX for a down payment to enter a installment loan with Credit Acceptance. I have banking info with date to prove 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 2020-05-15
Company: Experian Information Solutions Inc.
State: MN
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 have inquires on my credit report from : XXXX that i did not apply for. I would like this removed 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 2020-08-31
Company: Santander Consumer USA Holdings Inc.
State: NM
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:
Santander XXXX This account is current however, it is being reported as a Charge off with a past due balance of {$11000.00}. These statements are FALSE and preventing me from getting the credit I deserve. I have contacted Santander several times and do not get an accurate response or update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: EQUIFAX, INC.
State: NJ
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:
XXXX is reporting a barclay bank account with a balance of XXXX on it this account is fraudulent the account that the payments were being made by is also fradualant

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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:
UPLIFT INC. ACCOUT NUMBER XXXX. IS REPORTING ON 1 CREDIT REPORT THAT I WAS LATE XXXX OF XXXX  BY 30 DAYS. THIS IS INCORRECT AND THEY HAVE YET TO REPLY OR FURNISH ANY PROOF THAT I WAS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
TD Bank Is Charging me alot of Money On My Cheeking Account:XXXX Am Getting Charge For Overdraft Fees - {$70.00} and Am Getting Charge for a Provisional Credit Reverse on My TD Checking Account Please Help me With This Problem TD is Charging Me A Total : - {$730.00} on My Checking Account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never ignored the debt. I paid the first payment on it in XXXX and received collection in XXXX. I was not given a chance for such a low debt. I have paid the account in full.

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 2021-04-26
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As a consumer, I XXXX XXXX certify that it is only me who has prepared this letter. therefore you are in direct contact with me and only me. to insure that you know it is only me, i'VE ATTACHED A COPY OF MY SOCIL SECURITY CARD. I a the only person who would have access to that so that is proof that it is me. all these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. I contacted the Federal Trade Commission and filed complaints # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. extra extra FAST 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. i will not take no for an answer, So just cash me out please. FURTHERMORE This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I Do not VALIDATE THIS DEBT. just kniow that. 
I demand that the following account be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: PNC Bank N.A.
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: Their investigation did not fix an error on your report

Complaint:
I disputed 2 secure prepaid cards and my credit score dropped 30 points for 1 of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2017 XXXX. I have called to resolve this issue. This account was open fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sounds like a boiler room operation, call all three of our cell phone # 's never leave message, only can hear lots of talking in background on messages. They repeat calls all day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX, XXXX XXXX from XXXX XXXX, XXXX, used my credit card information on XXXX for amounts of : {$42.00}, {$63.00}, {$300.00}, {$42.00}, {$63.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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: Account status incorrect

Complaint:
On XX/XX/2019 I Sent A Certified Letter To The Credit Bureaus To Properly Validate An Account That Was Paid On Time ... The Credit bureaus Refuses to validate the account in has the account showing as a paid collection on my credit report which isn't true ... All Payments Were Made On Time ... I Been trying to fix this correction for sometimes in its really frustrating

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 2020-11-18
Company: Carvana Group, LLC
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: Information belongs to someone else

Complaint:
On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CARVANA add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: DE
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:
A XXXX XXXX credit card was opened in my name on XX/XX/2018. I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, 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:
I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, 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 encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outragous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX  XXXX XXXX   XXXX XXXX {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: TX
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT OF ED/XXXX  ACCOUNT NUMBER : 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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT OF ED/XXXX  ACCOUNT NUMBER : 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 2020-05-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i tried to pay my bill a couple of times but it was a glitch in the computer and it mark me down late twice on two different accounts and i paid the card down to 3 % and im am current now and need them to remove the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CITIBANK, N.A.
State: UT
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:
THD/CBNA - XXXX : I was not late on this account. I was trying to pay online and their system kept kicking me out - So I called them on the phone and they told me that my payment went through.

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 2019-02-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
WELLS FARGO BANK took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.

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