BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-22
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I got a {$5000.00} loan from Sallie Mae and before I could pay it off I had to file a chapter XXXX bankruptcy. I got a letter from sallie Mae saying my loan was charged off. Two or three months later they called me to pay the loan off. Before they let me start back paying they say I have to pay {$1000.00} up front then they can put me on a {$100.00} a month payment plan. I only paid {$35.00} originally but they say when you file bankruptcy you loose that payment plan. I am still in school and do n't have {$1000.00} to give them upfront. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Sallie Mae continues to call me at my place of employment. I work at XXXX and they have called over 4 times and have been asked to stop numerous times. They were asked to take the number off the list and continue to call threatning my job!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I am disputing with Equifax certain inquiries that were added to my account which I gave NO authorization or consent for. I have requested to Equifax to remove them as these vendors and merchants have no permissible purpose to view my report in accordance to 15 U.S.C 1681b. I have faxed this dispute in and have provided CFPB with a copy of a confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 i called Ditech because I noticed a late fee on my account. I am currently setup on bi-weekly autopay through Ditech 's website. According to XXXX ( the rep i spoke with ) she indicated that funds were withdrawn at the wrong time and applied to principal. A case was opened for the reallocation team to remove late fee and fix issue. On XX/XX/2016 I noticed a XXXX late fee for the same issue and called customer services. This time XXXX helped and has now opened a case to have the reallocation team remove both late fees.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: SLM CORPORATION
State: NH
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 am the co-signer on my daughters student loan with Sallie Mae. Her loan payment should have been made in XX/XX/XXXX and my daughter was having trouble. She called and called ; they were rude and demanding ; not wanting to listen to her. After about 6 times calling she final was able speak with a manager. They talked on XXXX XXXX, 2016 at XXXX. and the call lasted 24 minutes. They worked out a payment plan that started on XXXX XXXX, 2016 and ends on XXXX XXXX, 2016. Then, they would reexam her finances or continue with that amount and only the date might change. I also spoke with them on XXXX XXXX, 2016 to give them my financial information. We were told that if a payment plan was set then the clock would go back to XXXX and were would not be reported. On Friday XXXX XXXX, 2016, I received a notice from the credit bureau that we was reported on all three of the loans on XXXX XXXX, 2016 and my daughters first payment was due on XXXX XXXX, 2016. If either one of us had been told that the payment needed to be made by XX/XX/XXXX it would have been paid. It seems that Sallie Mae is back doing poor business practice ( predatory practices ) and misleading their customers in order to get late fees and ruin customers credit at the same time. I ask for your assistance in not allowing Sallie Mae to get away with these forms of practices and to have them removed this from both our credit rating. Thank you for your time ; Sincerely yours.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Hello, Navient has continued to call and harass me asking for my son 's contact information. They have all the information I have. I have called and asked them to stop. I sent a certified letter demanding they stop contacting me. I filed a complaint with the CFPB, and as you can see in their response below they stated they would stop calling me unless it was in regard to co-signed loans. They have now contacted me twice since the attempts to reach me noted in their response, once on my home phone and once on my cell phone regarding my son. They were not calling about co-signed loans as I ensure they are current. I believe legal action is required at this point. 

" This is their response where they stated they would stop calling, a promise they have also made over the phone. We reviewed your concerns raised to the CFPB and attempted to reach you on XXXX XXXX and XXXX XXXX, 2016 to discuss these concerns in more detail. Unfortunately, our attempts were unsuccessful and we have n't received a response to our outreach. 

While we were n't able to talk with you directly, we can share that our review of your account determined that you are the cosigner of a Private Tuition Answer Student Loan and XXXX Private Signature Student Loans for XXXX XXXX XXXX. These loans are current. 
You are also listed as a reference on additional private loans that XXXX XXXX has with us. For this reason, we were contacting you regarding XXXX XXXX 's account. We have updated our system so that you are only contacted regarding the loans that you cosigned for XXXX XXXX. 

Thank you for sharing your experience with us. We apologize on behalf of Navient for any inconvenience this may have caused you. We strive to continuously provide excellent service to all our valued customers, and your feedback will help us reach that goal. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: The Receivable Management Services LLC
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 am still disputing the collection with XXXX for a cancelled policy that was phoned in and cancelled with XXXX XXXX. Their collector RMS is informing that the amount due is XXXX however I received an email from XXXX informing of a diffferent amount XXXX. I am extremely frustrated with this as I have forwarded them a copy of the email with NO RESULTS. I will pay the XXXX but would like the matter to be corrected first.

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 2016-07-28
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received medical treatment for an XXXX at XXXX XXXX in XXXX, GA on XXXX XXXX XXXX. Following the treatment my insurance and I were billed directly from XXXX XXXX - the bill was paid accordingly. 

In XXXX of XXXX I receive a collection notice from Lanier Collection over the amount of {$150.00} regarding services I supposably received at XXXX XXXX XXXX '. 
I did not receive any treatment from this provider nor was I sent a bill. I requested further documentation that I received treatment and/ or owed this amount and after the collection agency LCA failed to do so I disputed it. 

It has now been flagged as unpaid on my credit report ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: SLM CORPORATION
State: CA
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 went to the XXXX University ( XXXX XXXX ) and had to pull out loans through Sallie Mae. Its really hard to now pay these bills which is hurting me financially. I need help and need to refinance them but no one can help and sallie mae is horrible and does not want to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A certified letter was sent to Aargon Collection agency regarding a debt to XXXX hospital. In this letter, there was a request for a form that authorized XXXX to release my private information to them along with a statement to validate the charges.XXXX released my private medical information detailing services that were provided without my authorization that is a clear HIPAA violation. HIPAA privacy laws. I never authorized my information to be released to any third party company. There is no signature or anything on any documentation that has been provided. The collection agency directly violated my PHI- under HIPAA law.

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 2015-12-28
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have asked to have addresses removed from my credit report because I have never lived there and I just had a background check and found that the addresses are still on my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-01
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2107 I received and alert stating that LVNV funding LLC has added a new collection to my XXXX credit report. This is inaccurate information because i paid this debt to XXXX on XX/XX/2017. A pay to delete letter was submitted to XXXX on XX/XX/2017 along with a cashier 's check for {$100.00} which stated that upon cashing the check XXXX would be in agreement of accepting the payment as paid in full for debt and removed this collection from all XXXX bureaus within 15 days of cashing. XXXX cashed my check on XX/XX/2017 and mailed me a letter on XX/XX/2017 stating that they no longer own the collection and that i should contact XXXX.XXXX cashed my check then sold this account to another collection company by the name of LVNV funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received a copy of my credit report after XXXX. I noticed accounts which I am uncertain of and began filing disputes especially for dates I was XXXX. Apex is a debt which I do not believe I owe and when looking for validation nothing was provided but paperwork, nothing included my signature our anything just documents they prepare. So now I am sending the following letter enclosed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apex Asset Management XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 Dear Apex, After viewing a copy of my credit report, I noticed a collection account placed on my credit from Apex in the amount of XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 'm on an income based repayment plan, they never notified me when they needed me to update my information for the year. I was told all that information was on their old website and I never would have gotten notification of it unless I specifically asked. I was put in forbearance for 2 months while they figured it out and I submitted their information, then I started getting notifications that I was behind on payments and they had no records of the dates I was giving them. It ended up putting me in forbearance for another couple of months while things got straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, 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:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Franklin American Mortgage Company ( " FAMC '' ) wrote a letter dated XX/XX/2017 that they had assumed my mortgage from XXXX on XX/XX/2017 & notified me that payments should be sent to FAMC, XXXX XXXX, XXXX XXXX, XXXX, TN XXXX. In a letter dated XX/XX/2017, I was notified that payments should be sent to a new address at XXXX. XXXX XXXX, XXXX, NJ XXXX. I later identified the second address belonged to a company dba XXXX. FAMC did not notify me of this company 's name or that they would be servicing the loan. On XX/XX/2017, I contacted XXXX about receiving what appeared to be a phishing attempt from XXXX XXXX XXXX ( " XXXX '' ), XXXX. XXXX XXXX, XXXX, SC XXXX, with a postmark of XX/XX/2017. XXXX claimed I needed to enter personally identifable information ( PII ) into XXXX 's website : " XXXX. '' XXXX also claimed " in the event we do not receive this evidence of Master Insurance coverage, we plan to purchase coverage to protect our interests ... You will be required to pay us for any period during which the insurance we purchase is in force, but you do not have insurance. '' Please be aware that I quoted the prior passage from XXXX 's grammatically plagued XX/XX/XXXX letter. On XX/XX/XXXX I contacted XXXX about the apparent phishing attempt. XXXX claimed that XXXX was legitimate and that XXXX was making a legitimate request. FAMC did not notify me of this second company 's name or that the second company had the authority to charge me for insurance for information they had never requested between XX/XX/XXXX, to XX/XX/XXXX. On XX/XX/XXXX I contacted South Carolina 's Secretary of State to identify whether this company existed as a registered business entity in XXXX. XXXX is not a registered business entity. On XX/XX/2017, I sent a QWR via certified mail with return receipt to FAMC Compliance Department - Complaints requesting more information on XXXX and to acknowledge the Master Insurance Policy for my building. On XX/XX/2017, I received a delivery attempt from XXXX. I visited a XXXX location & received my package. FAMC drafted a response on XX/XX/2017 ( that was not received until XX/XX/2017 ) acknowledging receipt of my correspondence. FAMC did not acknowledge that my correspondence was a QWR nor did they acknowledge receipt of the Master Insurance Policy for my building. Finally, FAMC gave themselves at least thirty ( 30 ) days to respond to my QWR. I need FAMC to acknowledge receipt of the enclosures included in my XX/XX/2017 QWR & to ensure that XXXX does not attempt to send invoices to me for information that was not requested until XX/XX/2017. Please let me know if you need additional information. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX CAP XXXX AUTO XXXX

Company response to consumer: Closed with explanation