BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been contacting Sallie Mae for several weeks to speak with someone about a loan modification and learn all options for loan repayment for my monthly loan payments. Currently, my monthly payment is {$1400.00}, which is significantly more than I earn in a month. I have tried multiple times to call and gave been met with service representatives who can not answer my questions, or am put on hold and transferred to a different department and then hung up on. To date, I have been told that my options are to enroll in a graduated repayment program, put my loans into forbearance, or to speak with someone about a loan modification. After looking into it, I discovered that the graduated repayment program would not only add an additional {$3500.00} charge to my current loan balance, but also tremendously increase my monthly loan payment after one year- therefore, it was not a viable option. As I had already paid {$150.00} to put my loans into forbearance, I asked to speak with someone about a loan modification. I was then told I needed to wait for my loans to become past due for someone from the loan modification department to speak with me. This situation has already detrimentally affected my ability to try and get a refinancing loan with other companies and I can not afford to wait and have my credit score negatively impacted by Sallie Mae again. Sallie Mae has been giving me the run around for weeks and it has prevented me from being able to properly handle this situation. I am being denied access to critical information, and being mislead by representatives who continually tell me different information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-12-28
Company: PENTAGON FEDERAL CREDIT UNION
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I initiated a transfer from my newly verified external savings account to my PenFed savings account. This transfer was immediately returned on XX/XX/XXXX and I was given a {$30.00} ACH returned item fee. I called PenFed to inquire as to why this happened, as this account was verified with the trial deposits, and customer support informed me that the external account number was incorrect when I read back the account number to the customer support agent. 

On XX/XX/2023, I contacted them again to see if this could be removed prior to the closure of the account, as the verification process should have ensured that I was using the correct account, especially so since the trial deposits were successful. This fee was unable to be waived and I would be charged the {$30.00} fee, plus an additional {$5.00} fee for debit card usage, prior to closing my account. They were unable to tell me why the transfer was returned.

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 monetary relief
Consumer complaint received 2022-03-04
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 I submitted an online request to XXXX XXXX XXXX to debit my XXXX for the full amount due ( {$6200.00} ) on my Fidelity Visa card. The request was processed as requested. Then, three days later, on XX/XX/2019 XXXX  XXXX   XXXX debited my XXXX again for {$4600.00}. 

On XX/XX/2019 I called XXXX XXXX  XXXX   Customer Service line @ XXXX to initiate a refund of the debit which was completely unjustified because of the pay-off three days earlier. The customer service rep indicated a refund would be processed ASAP. 

Eleven days letter, on XX/XX/XXXX, I receive a letter from XXXX XXXX XXXX  datedXX/XX/XXXX,  acknowledging the error and indicating that a refund will be received within 10 days. 

As a consumer, I find it ironic that if I fail to pay the balance due I'll be charged a ridiculously high late fee plus 16 % interest. Conversely, XXXX is free to hold my money for nearly a month. Accordingly, I request they XXXX  XXXX XXXX be obligated to remit to me interest equal to what they would have charged me had I done the same to them and held their money beyond the agreed upon due date. 

Further, I request that XXXX XXXX XXXX   improve their internal controls to ensure customer XXXXs are not debited/drafted for more than what is owed on their accounts. Automated financial systems can easily determine the necessary pay off balance prior to drafting customer accounts. Their practice of ensuring customer payments are processed quickly and customer refunds are processed slowly is a perfect example of how companies such as XXXX   XXXX XXXX takes advantage of their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2019 I went to Capital One brunch in XXXX XXXX to transfer {$3200.00} from my checking account into an XXXX XXXX XXXX account. Capital one requested a {$40.00} fee for doing the transfer. Capital one has an intermediary bank, which converts the United States dollars into XXXX dollars. This intermediary bank took another {$20.00} fee. In additional to those fees the transfer rate which they gave was absolutely ridiculous. If they simply transferred the XXXX to XXXX bank XXXX the rate would be XXXX XXXX = XXXX, which would be equal to {$4500.00}. 

By Capital one using the intermediary bank to convert XXXX to XXXX  and then giving it to XXXX XXXX, I ended up with only {$4200.00}, which is more than {$200.00} less than what I should get.

1 WHY DID THIS TRANSFER TAKE SUCH A LARGE FEE?

2 WHY DIDN'T THEY SEND THE UNITED STATES DOLLARS STRAIGHT TO XXXX XXXX?

3 WHY DID THE CONVERT USING AN INERMEDIARY BANK OF CAPITAL ONE?

4 WHY IS EXCHANGE RATE SO LOW?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account is paid and fully closed and Im not so sure why this account still shows on my credit report. I want and seeked to get it removed 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 2019-04-23
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
I recently checked my credit report and realized that are a couple of inaccurate information regarding late payments on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 


XXXX XXXX XXXX/XXXX Account # - XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.

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 2021-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hello I am located in XXXX XXXX NV and I have been dealing with a closed account since XX/XX/2020 due to a fraud incident and calling to report it. Now I am being punished for someone taking money from me and Bank of America will not open my account back. I have done everything from calling everyday and even proving my identity to unemployment to only be told by Bank of America that their hands are tied or getting hung up on. This is my only income at the moment and myself and my children are suffering from it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX account number ISNT DISPLAYED with a balance of {$250.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX 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 2021-08-14
Company: Frontline Asset Strategies, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 FRONTLINE ASSET STRATEGI Original Creditor : FRONTLINE ASSET STRATEGI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on FRONTLINE ASSET STRATEGI 11 XXXX XXXX XXXX Original Creditor : FRONTLINE ASSET STRATEGI XXXXXXXX XXXX XXXX XXXXXXXX account number ISNT DISPLAYED with a balance of {$250.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Select Management Resources, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
Was overcharged on interest from the beginning, XX/XX/XXXX. Was never given any type of repayment schedule at all. A {$500.00} loan was taken out XX/XX/XXXX which I never received. Another {$500.00} loan was taken out in XX/XX/XXXX which I never received. And another {$300.00} loan was done inXX/XX/XXXX to which I never received nor authorized. I spoke to the manager, XXXX XXXX and to the district manager, XXXX. They both treated me like I was stupid .I asked for all my copies they had. It took me 5 days to receive them. My copies and their copies some to not match as far as initials on some and signatures are either missing or have been whited out. 
The times and dates on one contract are stamped way after XXXX. The store closes at XXXX XXXX sharp. 
I have checked The ARS STATUTES here in Arizona which they have violated. ARS 44-291, ARS-44, TRADE AND COMMERCE, STATUTE OF FRAUD, along with the U.S. code 's. 
I have all this documented neatly in folders. It very lengthy, but if you would like to collaborate further I'd be more than happy to to show you or a judge. 
Please feel free to communicate as I am also writing to the Attorney General, the Governor, the news media until someone stands up to the plate and help me hit a home run. 

Thank you .... 
XXXX XXXX

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 2024-01-10
Company: Keystone Law LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a bill from Keystone  law in the amount of XXXX via postal mail. I also received 2 voice messages from XXXX XXXX on XX/XX/XXXX  and XX/XX/. On XX/XX/XXXX  I mailed an affidavit of truth, along with an invoice on XX/XX/XXXX  which was ignored by Keystone law LLC. A notice of non-response opportunity to cure on XX/XX/. I have not heard from Keystone law llc or gotten any responses from this company since I've mailed out my notices. This company has violated my rights and laws under the FDCPA. I do not have a contract with keystone law nor did I sign any contracts with this company. I did not give them consent to contact me about a debt that I do not owe to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
THEY KEEP CALLING EVERYDAY AT ALL HOURS OF THE DAY WITH DIFFERENT PHONE NUMBERS I HAVE ALREADY TOLD THEM TO STOP HARASSING ME. MY DEBT IS ALREADY IN COLLECTIONS AND ON MY CREDIT REPORT. THE COMPANY IS CALLED WESTLAKE FINANCIAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My XXXX  XXXX XXXX credit card # : XXXX is lost/stolen and has fraudulent and unauthorized charges on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account closed and debt was paid- continues to collect interest on interest. This is not in keeping with FDCA

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