BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
Company: SLM CORPORATION
State: FL
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:
For the past couple of months I have been on XXXXXXXX XXXX  unable to work undergoing financial hardship and I have expressed to Sallie Mae on multiple occasions about my situation. When I initially talked to Sallie Mae they did not disclose that my credit would be hit with these delinquencies and in many ways then one have ruined a lot of things for me. Back when I contacted Sallie Mae in the early months of this year I disclosed that I would be going on XXXXXXXX XXXX  and would not have any stream of income coming in for a while. They badgered me with the same questions trying to determine if I qualified for someone that couldn't afford to make payments. The only solution they gave me was 1 month of forbearance and i wouldn't get any other assistance until i paid 12 months worth of full billing payments. I found this to be unbelievable when I am initially contacting them because I was currently undergoing financial hardship. Every time I do get in contact with someone at Sallie Mae I feel as if I get trapped into a deeper hole that I did not sign up for. My credit along side my cosigner credit has been diminished all because Sallie Mae refuse to handle this situation with delicacy and care for the consumer that they are violating. According to 15 USC 6803 a ( 1 ), my nonpublic personal information furnished on my consumer report without my permission nor any full disclosure from the financial institution SALLIE MAE, is a violation. Sallie Mae has continuously harassed me and my aunt contacting us over XXXX times within one week. According to 15 USC communication in connection with debt collection, the company violated 15 USC 1692c ( A ) ( 1 ). A couple days ago I was harassed by Sallie Mae after business hours which business hours are from XXXX to XXXX and after the fact that they accepted to not contact me on this matter, which in turns violates my rights and code 15 USC 1692d ( 5 ). Due Sallie Mae violating my rights it voids out the contract at hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loan went into default, I received a letter from XXXX XXXX XXXX in XX/XX/XXXX I believe. I was n't sure why they had my loan, so I called and they explained they had my loan. I then asked if they would send out another letter. I received the letter XX/XX/XXXX. 
I then called to make arrangements. The women on the phone hung up on me when stated I needed to go to XXXX and get a card so that she can take the money from ( because my bank accounts are being garnished ) and I will call her back. I felt this was very rude and was n't sure if this was a legitimate company. In XXXX I sent Navient through fax my financial information and a letter stating I wanted to make arrangements. I heard no word. I then received a letter from Pioneer. I called them and mention I do n't know what is going on because I have letters from XXXX different companies. I called pioneer again today at first I did n't want to submit the information they were asking but I realized I called them and not them call me asking for disclosure. I then spoke with XXXX XXXX who transferred me to XXXX XXXX. When we got to the part about my phone number I stated I was not taking my phone number off the do not call list because I will sue if the call my phone to much. I also stated they could contact me through email or mail. She stated she could not make arrangements with me if I did not release my phone number. I am writing to you because I believe it is my right to have a payment arrangement without enduring the harassing phone calls. they are blocking me from paying my bill. Please assist me if you are able. 

Thank You 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 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Recently I was contacted by one of the customer service representative they asked me if I could afford certain amount of money per month I asked them if they had an income-based program and they told me no I currently Am paying any mount that I am struggling to keep up with when I have income-based repayment plans with all my other loan providers XXXX it has been unwilling to work with me in continuously calls me trying to get me to pay the amount that I told him that I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$840.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2016-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently in the process of purchasing a home and had my credit pulled. It came to my attention that Bank of America posted an erroneous Mortgage Account XXXX with Late Dates : XXXX, XXXX and states consumer disputes - reinvestigation in progress ; foreclosure ; 180 days or more past due. The account shows a zero balance and zero payment due however reflects late payments? This is direct violation of the FCRA ( fair credit reporting act ) and should be removed from XXXX, XXXX, and XXXX completely as it is completely false reporting. My Bank of America mortgage was closed in XXXX. I would also like a letter faxed to me at XXXX on Bank of America letterhead stating this was posted to the XXXX bureaus by mistake and this account is not late nor is it even an open account.

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 2021-06-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Seen fraud inquires on my credit report that I did not do and sign up for

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 2021-05-10
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : DISCOVER FINANCIAL SER XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20
Company: Paradigm Assets, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company contacted me about a debt they said they bought I requested verification they said they are going to mark as disputed and request the creditor send me the info I found out yesterday they reported to my credit file in direct violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to get a mortgage modification through Bank of America making homes affordable program loan # XXXX XXXX XXXX XXXX XXXX, MA XXXX This request has been going on for over 2 years. They have lost documentation, changed associates, change people handling my case several times. There is no clear cut solution at this or any point. Please look at the history of my case and the length of time. I will try this proses one more time.

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 2021-05-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$2600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- AUTO ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, 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 2021-05-11
Company: ECMC GROUP, INC.
State: CT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my second complaint with CFPB regarding a company called ECMC ( Education Credit Management Council ). My first complaint was sent on XX/XX/XXXX, reference complaint ID # XXXX. This company fraudently opened up two student loans in my name claiming I went to a college called XXXX XXXX which I never attended. The promissory note their using belongs to a college called XXXX XXXX, ECMC is presenting 2 pages of that promissory note trying to say it is from XXXX XXXX and on purpose not providing the full promissory note that shows the college name ( which I have a copy of that I can send to you ). I have contacted XXXX XXXX and proved that promissory note their using is from XXXX NOT XXXX XXXX. They are now reporting these fraudenlent loans to both credit bureaus. This company has many lawsuits against them and under investigation in Minnesota. THIS IS A VERY FRAUDELENT COLLECTION AGENCY. THEY ARE STEALING PEOPLES PERSONAL INFORMATION AND OPENING UP STUDENT LOANS OR TAKING OLD PAID OFF STUDENT LOANS AND TRYING TO COLLECT ON THEM. CFPB NEEDS TO HELP ME AND NOT IGNORE THIS PROBLEM. I CAN NOT OBTAIN A JOB BECAUSE THEY WILL TRY TO DO A WAGE GARNISHMENT AGAINST ME. I have attached one document that ECMC generated with a signature and name " XXXX XXXX '' they dated it XX/XX/XXXX and you can clearly see my signature is not on there at all.

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 2016-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Credit card
Issue: Late fee

Complaint:
I made a payment to my Bank of America credit card on XXXX XXXX, XXXX for the amount of {$99.00}. BOA processed the payment to an incorrect account, a " XXXX '' was included to my already saved account number. After this I did not received any letters notifying me of the return payment. The next month I was charged and additional {$25.00} for the " missed payment '' and my granddaughter and I called called customer service on XXXX XXXX, XXXX cancelled the account. At that moment we made the payment in full of the account for the amount of {$180.00} and were told no we had no pending balance. Next month {$1.00} were charged for " minimum interest charges '' on an account that was closed. BOA made an unauthorized charge of {$1.00} to the account that was return " unpaid '' and send me a letter notifying me that the payment was retuned and that additional fees associated with the transaction were applicable. An additional {$1.00} charge was included on my billing statement of my already closed account. Today I made a {$3.00} payment to cover this charges, because I do n't want my excellent credit history damaged by this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Having continued economic hardship, ca n't repay loans. Student Assistance XXXX called me directly in XX/XX/XXXX stating they wanted to help, said I qualified for a 30 day forbearance which I accepted, then was assured I could resume payments of {$130.00} XX/XX/XXXX ( after I received a 401k Loan - yes took a loan from my 401k to resume payments ), without penalty, and any past due amount would be made current, and the loans would not go into default. Was assured the IBR was accepted at {$130.00}. Then I logged into Navient 's site and was advised the IBR rate doubled, and they could not honor Student Assistance 's agreement, due to my tax return for XX/XX/XXXX increasing by $ XXXX. I advised Navient that I can not afford anything over the {$130.00}, and understand I owe these loans, but need help by keeping the payment at {$130.00}. I asked them to work with me, as a divorced single mother raising a XXXX child on XXXX income with no child support. They suggested I reapply for an IBR which I did on XX/XX/XXXX submitting XXXX paystubs ( per their request ), I also made a payment of {$130.00} on XX/XX/XXXX ( as promised ), but today ( XXXX/XXXX/XXXX ) received a Notice of Delinquency ( {$390.00} past due ) and threat of Default. This is in complete contradiction of what Student Assistance told me ( recorded call ) in XXXX. I do n't know what to do besides default on the loan if Navient wo n't honor the {$130.00} IBR. XXXX. When I call Navient, I am on the phone for such a long time with someone who only reviews the general options for repayment and then tells me my payment would be nearly {$400.00} if I was n't even on an IBR. I can not reach a manager or anyone who will work with me on an individual basis as someone who WANTS to honor my obligation, but just ca n't make a monthly payment over the {$130.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21
Company: SYNCHRONY FINANCIAL
State: NY
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 non-monetary relief