BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: SLM CORPORATION
State: NY
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:
1- We got a student Loan From Sallie Mae XXXX A federal Institution created by the congress to fund education. this is what we tought when we sign with them in XXXX that it was a government entity that serviced federal education loans. 

2- It was too late when we realized this was not part of a federal loan anymore but private loans. 

3- Sallie Mae Has been calling me everyday even sundays trying to collect, I told them I am XXXX at this time, but they are not interested to work with you. 
4- I called them back trying to find a middle point and some negotiation but they said they have nothing I qualify to help me, to call them back when I get a job. 

5- they are threatening to garnish my wages when I get a job. 

6- Even when I did small payments when possible, they reported us to the Credit bureau XXXX our credit is ruined just because of a student loan. 

7- Their interest rates are really high and keep going up, at the end if some day we will be able to pay this loan back, it will be almost 3 times the amount we borrowed it. 

8- I want to know when and how the Goverment privatized Sallie Mae XXXX and how they did it. 

9- They are not open to any negotiation, They do not care about students or education, this is just a depredator business created with good intentions by the congress XXXX but privatized and keeping the name only to confuse borrowers, how the goverment allow this kind of very profitable private corporation take control of Students loans. How this happened? nobody can answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan for {$10000.00} from Wells Fargo and paid on time with automatic debit. The last payment was scheduled to be debited on-time ( XXXX ) but it never happened. I manually scheduled a payment on XXXX. Wells Fargo has been calling me for payment. On Saturday XXXX, I stopped by the XXXX XXXX, TX branch and Wells Fargo told me that my payment is being processed and it will post on Monday. I requested that Wells Fargo communicate with me by US mail and to stop calling me. Today is Monday and the money has been taken out for days and I am still receiving calls from Collections.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 without 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE.

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 2022-11-24
Company: EQUIFAX, INC.
State: NJ
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:
Remove these hard inquiries from my report I do not have contracts with these companies nor did a give Equifax written permission to report this on my account. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: DISCOVER BANK
State: PA
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:
I have attached a letter documenting everything that i can remember. 
I have been a victim of identty theft/fraud. Reached out to DISCOVER, XXXX XXXX XXXX  and XXXX XXXX XXXX. Approximately XX/XX/2022, I noticed that several of my above credit cards had been comprimised. I contacted each and the companies closed the accounts and reissued cards under different account numbers but did not address the fraudlent charges. I flagged my SS # with the credit bureaus, contacted XXXX XXXX police dept ( see attached ) and filed an incident report. In speaking with the detective, he stated that he was able to track some of the charges to a man/woman in Florida. Both my daughter and myself tried explaining to the credit card companies that I was a victim of identity theft. They stated I need to submit in writing which I did to all of the companies. They refuse to remove the charges.DISCOVER charges total approx $ {$15000.00}, XXXX  {$1700.00}, XXXX XXXX {$4500.00}, XXXX XXXX {$4900.00}. Discover did reverse the charges at one point but turned around and put the charges back under 1 card. 
I received a copy of the police report filed, I can not get a comprehensive copy of the police report. I was told that I needed to hire an attorney and go to court to get that information released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have on multiple occasions disputed the information that is being reported on my credit file without my permission. And each and every time, they do a robot reply that its verified. As such the wrong information is still being reported and I have been hurt adversely and it is NOT FAIR. 
According to all the credit reporting rules and FRCA, CCRAA etc... ALL information MUST BE ACCURATE. But these ERRORS are being reported without my permission and as such is a VIOLATION of all these Fair Credit Acts as well as a violation of my PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Santander Consumer USA Holdings Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Billing statement and the app used to make payments is deceptive. In addition the way they handle traffic tickets is deceptive as well. On the billing statement, the total amount due is mentioned several times as well as on the app. You click more details on the app and again it shows total amount due. On the lease statement upper right hand corner shows a list of all fees and in large letters at the bottom it say in bold letters TOTAL AMOUNT DUE. Same on the app. It is deceptive and if you pay that TOTAL AMOUNT DUE your going to be billed a late charge because above the TOTAL AMOUNT DUE in small print it show other fees. The page is set up for you to believe its the total of the amount due. Its not and if you dont pay the additional fees separately your fees will be deducted from the declared TOTAL AMOUNT DUE and you then your payment is reduced and you will incur a late fee and have now not made your payment on time. If in the process of your payment made date and payment process date you incurred a traffic fine which is billed to lease company they will deduct that amount from your TOTAL AMOUNT DUE without notifying you and again you will incur a late fee. Not only do you not ever see the ticket or know where and when you got it, you can not dispute it nor do you get a receipt showing you paid the fine. My attempt to discuss it with the company resulted in speaking on a scratchy line with someone I could hardly understand. On two separate calls. I found out from calling the billing department if you press the right sequence of numbers you will actually get the right TOTAL Amount due. Which is never declared on the app or statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-24
Company: TrueAccord Corp.
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My student loan amount of approximately {$12000.00} was handed over to TrueAccord after falling slightly behind. TrueAccord immediately flooded me with phone calls, texts and emails trying to collect more than double the amount owed at {$28000.00}. I asked for reasoning and received no clear response. This seems unjustified and illegal since I had already made multiple payments totaling over {$1000.00} on the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was only called on the phone about the debt and never sent a bill. I was in a law suit and as a result the landlord created a fake credit claim. I settled the case with the landlord, however they were supposed to take the debt off of my credit report and cancel it with the debt collection agency, but they did not. 


The debt is with FCO 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 explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: NC
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 account is showing on my credit from XXXX XXXX saying I got a loan and I have not I live in NC and payday XXXX XXXX are illegal here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I took out an {$800.00} loan. I was unable to pay the amount back in full. I made payment arrangements with them for me to pay online. I thought the date started XX/XX/2022 Ace Cash Express took out the {$800.00} plus {$74.00} fee out of my bank account after I revoked authorization on XX/XX/2022. 

I did not authorize this payment. They did not tell me this would be taken out. 

This caused me financial hardship. 

I attempted to take out another loan through them but only pre-approved for {$300.00} and them denied me for my orevious loan being late even though they broke payment arrangement by taking full amount. 

Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: RGS Financial, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This complaint is regarding the RGS financial account number XXXX, Original Creditor : XXXX XXXX XXXX, Current Balance {$10000.00}. 

Today, XX/XX/2022, at XXXXXXXX XXXX CT, I received a call with a caller ID XXXX XXXX XXXX 

Since I am a XXXX XXXX I thought it was from my school and answered. 

When I answered, the representative said she would like to speak with me. 
I thought something was very odd, and I asked, where is this call from? 
Then, the representative said, It is a debt collector, calling from RGS Financial. 
I was stunned. 

Also, when I asked why your caller ID showed that you appeared as XXXXXXXX XXXX XXXX, the lady told me, Because you are a graduate student, we wanted to work with you and help you. 
I was speechless. 

When I previously contacted via a chat through RGS Financial website regarding any settlement options available, I disclosed that I am a graduate student to the representative I had a conversation with, XXXX XXXX, who was very pleasant and kind to discuss available options for me. 

However, todays call and the conversation I had today, not only violated Fair Debt Collection Practices Act 807. False or misleading representations but also it is not acceptable. 

Lastly, I told the previous representative, XXXX XXXX, on XX/XX/2022, that I could pay the settlement payment all at once on XX/XX/XXXX or later. Then I was told that the system allows scheduling a payment only 30 days in advance. So, it was ended that I would call at the end of XXXX to schedule payment for the settlement offer available for me. However, again, I got a call from RGS Financial today even though I already talked and discussed it with the previous agentwhich violated Fair Debt Collection Practices Act 806. Harassment or abuse. 

I have attached the screenshots showing caller ID as XXXX XXXX XXXX and the chat I had with XXXX XXXX on XX/XX/XXXX, showing that we discussed the settlement, and I am the one supposed to call her to schedule the payment at the end of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/service. Ive been a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to get assistance with our payments for over 3 months and every time we talk to someone we get told to call back in two weeks for a decision and then we get a letter in the mail stating we received your request for mortgage assistance. Our monthly mortgage payment increased {$250.00}, since COVID hit we have been having financial hardship in making this payment, we can not get them to accept a payment plan or refinance the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Since XX/XX/22, fraudulent activity has been happening with my Wells Fargo checking and credit account. Despite numerous " claims '' and investigations, money keeps being withdrawn from my account that Wells Fargo has been unable to prevent. All of the activity is happening in XXXX XXXX with one exception occurring in XXXX. As soon as they offer me any sort of credit, the money is siphoned away. When my checking account is overdrawn from this fraudulent activity, they remove funds ( overdraft ) from my Well Fargo credit account. There were also fraudulent cash advances done on the credit card, but this seems to have stopped. 
I am approaching the month mark of this fraudulent activity occurring and have been living off a separate credit card, hoping this will get resolved. I can not sustain this much longer. It has also been very emotionally upsetting.

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 2023-01-30
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im contacting you in regards to a notice stating that I owe {$3700.00} to XXXX XXXX XXXX, located in XXXX. Ive never been to XXXX and Ive never lived there. I contacted the company to see what was going on and they had no record of me ever dealing with them. 
This is a complete scam from some collection agency called Contract Callers Inc. 
Can you please help me with getting this fraudulent claim and charge off of my credit report and help me get my credit score back to where it was before this scam happened? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Date : XX/XX/XXXX Amount : {$930.00} Action : I called the credit card company to complain about this accrual interest charge on my account after I received my statement on XX/XX/XXXX when I had a pending balance of {$160.00} on my account. I was n't aware i was going to be charged this amount as I was informed when taking the card that if I had n't paid the total amount by the end of a promotional 18months period, I would be charged the interest for the remaining balance on the account. To my surprise, when i received my statement on XX/XX/XXXX, I saw a charge of {$930.00}. I have called Zales for complaint and try to resolve the issue, but the customer service offered to remove 50 % of the charge and I have to pay the other 50 %. However, I could n't understand why 50 % was offered and not everything, even considering that I have already fully paid off my account after seeing the amount charged. If I received my statement on the XX/XX/XXXX, showing the charge, I would have addressed the interest immediately but the customer agent could n't understand that apart from my statement where the disclaimer is hidden I would n't have know that the agent in the store that made me get the card was lieing to me. But, I get all sort of promotional emails weekly but I was never sent an exclusive mail of this interest charge to alert me. I wanted the agent to reverse the contentious charge but the agent kept telling me that if I do n't accept the charge immediately, I will never be given another option, even after telling the agent I needed time to think about the offer of resolution considering I was very dissatisfied with what had happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was looking at my consumer report, XXXX, XXXX, XXXX and saw a medical debt collection reported in accurately. I did not receive any documentation from the company nor did I give permission to release any of my medical information to this company. This debt collection company has violated my HIPPA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion EMPLOYER : XXXX XXXX XXXX XXXX XXXX, IL ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX EMPLOYER : VA XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXM XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : UNKNOWN RETIRED XXXX XXXX ADDRESS : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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