BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-26
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Sallie Mae keeps harassing my home and family, stop calling and emailing my family members and being annoying

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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:
This is the 3rd attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I have been a victim of identity theft someone has obtained my personal information and open up fraudulent accounts in my name. I did not authorize nor provide permission to do so. Ive filed a police report with the police department supporting this identity theft, including that my social security card and drivers license was stolen.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised that this is my ONE OF MY NUMEROUS REQUEST for you to remove incorrect and inaccurate information from my personal credit report. I received no response to my most recent complaint dated XX/XX/2023. It is my understanding of the law that you must complete any request for reinvestigation within a thirty day time frame. It has been well over 30 days! I have included a copy of my original letter for your records as well as mine and also I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Please take immediate action to rectify these issues. The following information needs to be investigated as soon as possible : XXXX 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 non-monetary relief
Consumer complaint received 2023-12-27
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
To whom it may concern, Hello, my name is XXXX XXXX XXXX, and I have a XXXX mortgage on my only home in XXXX. Unfortunately, I needed to utilize the XXXX forbearance program in XXXX. Upon returning to work, I discovered the CARES Act AND the XXXX  portion of the HAF Program had both closed. Therefore, I found myself without recourse to bring my mortgage current. My lender recommended I submit a modification request. However, the 2.8 % interest rate I enjoyed would no longer be available and once the more current 7+ % rate was applied, the lender informed me my debt to income ratio was not conducive to my being approved for a modification. My contact with VA informed me there is apparently a chance more funds will be appropriated and I may be able to receive the same protection as was allotted under the CARES Act ( wherein the arrears would be totaled and placed into a non-interest bearing second mortgage, essentially, and the loan would be placed at the end of the primary mortgage ). If this is possible, please advise me as to the details, otherwise you may add me to the list of XXXX veterans who believed the federal government would certainly never provide access to a forbearance which was followed by no possible way out of the hole created by the forbearance. Please advise me as to the best next move. 

Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to you with an overwhelming sense of urgency and frustration regarding the fraudulent and negative accounts that have surfaced on my credit report. It has come to my attention that my identity has been compromised, leading to the inclusion of unauthorized and erroneous information on my credit history. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests I must emphasize the severity of this situation. I am a victim of identity theft, and it is both disheartening and infuriating that my credit report, a document integral to my financial well-being, has been tainted with fraudulent accounts. This is a blatant violation of my privacy and an egregious error that demands immediate and aggressive attention. 

XXXX XXXX - FRAUD, PLEASE DELETE!!!!!! 
XXXXXXXX XXXX XXXXXXXX - FRAUD, PLEASE DELETE!!!!!! 

I can not stress enough the urgency of this matter. Identity theft is a serious crime, and the inclusion of these fraudulent accounts on my credit report has the potential to cause irreparable harm to my financial standing. Failure to address this issue immediately will leave me with no option but to escalate this matter to the highest authorities, including reporting your lack of swift action to regulatory bodies and seeking legal counsel. 

I expect your full cooperation and an aggressive resolution to this matter within 10 days of your receipt of this letter. I will not tolerate any further delays, excuses, or negligence in rectifying this grave injustice. 
Consider this letter a final warning before I take all necessary actions to protect my rights as a consumer and victim of identity theft.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There has been inquirys addresses names that are not mine and have never been mine reporting on my credit reports and I have filed disputes and still no changes even though I submitted all the information to the credit brueros

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
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:
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 2023-12-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Purchased XXXX XXXX XXXX XXXX through XXXX XXXX XXXX 
In XXXX it was repossessed. The fees kept going up, and we were charged Insurance fees through the finance company in addition to the full coverage we had through our own insurance company. We were not notified until it was too late and we were behind on fees. The XXXX was repossessed after we made arrangements to catch up and resolve the issue.

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 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I do business with XXXX XXXX and CAPITALONE BANK. I am a very loyal and great customer of both for over 10 years. 

CapitalOne, like the other Banks, continues to charge excessive monthly fees, during and after COVID. Further, they continue to ignore the consumers financial hardship post COVID and show sympathy for the consumers who are still struggling. 

I am currently on XXXX and recuperating from 2 COVID severe infections. In addition my financial services employer has stopped paying me. 

I took a hardship withdrawal from my pension to pay credit card debt this week, including my XXXX XXXX credit card. 

I called Capital One twice this week like I did with my other credit card issuers. I asked them to help me and consider to reimburse me for {$400.00} in late fees / {$40.00} a month for being late / unable to make payments on time due to hospitalizations and financial hardship. I was late for couple of days to few days at the most. Never past weeks or a month. 

The overseas located service center of CapitalOne asked me when I had COVID last year. I answered with specific dates and explained to them my current severe financial hardship. They routed their call to their supervisor who waived another {$40.00}, total of {$80.00} for this year. 

I explained to them that The Consumer Financial Protection Bureau prevents banks from charging such high fees, especially during COVID and post COVID pandemic since we have all suffered and continue to. 
I also stated that you ask that retailers and banks stay sympathetic to the consumers. They were polite. However, they dismissed my request and did not understand my constructive comments about your Agency. 

I ask please for your help so that CapitalOne considers to reimburse me for another {$280.00} for late fees for last year. I will not go back to the previous years. Here is the list : XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XXXX XXXX XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} Whether they do or dont, could you please work with all of us to put a stop to this fee raping consumers behavior? The Banks from the latest annual filing for XXXX, are up in cash management 110 % to over 200 % in profits due to the high interest rates and the balances / client or consumer deposits. Aside from having booked millions to billions in profits in this area, they continue to layoff thousands and both banks and broker dealers slashing salaries and bringing to zero in some cases any additional variable pay. 

Please step in to protect us all. This behavior is wrong. We have lost jobs and continue to. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: SYNCHRONY FINANCIAL
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
623 15 ( c ) reporting 1561 I had recently been in*2 car accident ( 1 ) year apart and I work really hard to pay off debts for the entire year. My credit score went up XXXX points. But, recently as points of XXXX was reduced and total of XXXX points was removed but, they should have been added instead. I have reached out daily. I spoke with a client that didn't know the difference from an installment loan to a credit card loan. ( considering )!! I receive email alerts that keep me informed of any updates. I was told 3 different times that my points were going to improve by first XXXX points, then XXXX points then XXXX points but instead the reduced them. I just paid off bank settlement with XXXX bank on a XXXX XXXX XXXX after 1st car accident. Only for a customer rep. to misread it and invert the points system and cheat me. After, calling them and notifying them of the error, I was told that they could not see, what I see ( how you guys sent email ). I personally feel attack and discriminated after staying in touch with my credit all the time. I was also decline the larger amount of lump sum of Settlement with XXXX XXXX breach and I was hack by both XXXX, XXXX and XXXX  XXXX. I submitted proof. I receive a settlement of {$4.00} REALLY a SLAP In the FACE Of a BLACK WOMAN

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a used XXXX  XXXX XXXX from XXXX XXXX XXXX in XXXX Texas. I purchased a vehicle XX/XX/XXXX of this year. I do not have my registration or my plates yet. The state is also showing that there is a lien on the vehicle in the name of the previous owner still. They also do not have a Texas title for the vehicle. 

I then get two letters in the mail from XXXX saying that the dealership canceled my extended service contract and my gap coverage. I called XXXX to confirm that there is no coverage on the vehicle and they confirmed that there is in fact no coverage, the dealership did cancel both contacts, and the dealership was issued a refund for approximately {$5000.00}. 

I have spoken with the dealership with the finance XXXX, and he is giving excuses for delays in the titling and registering of the vehicle. My sales person has been telling me since mid XXXX that the registration has already been done and that I will get it any day. The state, my XXXX XXXX tax assessor, is saying that no, its not registered to anybody and thats when I was told about the lien from the previous owner. Ive tried asking to speak to the general XXXX of the dealership and no one will ever transfer me to them. I never get past the finance guy.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-09
Company: FORD MOTOR CREDIT CO.
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : FRD MOTOR CR XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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