BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received a billing statement on XX/XX/XXXX about my loan coming back into repayment. I then received an email today, XX/XX/XXXX, stating that I had a past due balance on my loan. When I looked at the billing statement from XX/XX/XXXX, I did have an {$84.00} past due amount. However, the statement received on XX/XX/XXXX was the first communication I have received from them regarding my loan since XX/XX/XXXX. ( This is reflected on my online account as well. ) Additionally, I did not receive a single phone call or email regarding the past due amount. However, my mom ( my co-signer ) has received north of 6 calls per day regarding this past due amount. When I called to receive information about this past due amount, all the customer service representative said they could do was notate my account. I then confirmed that my phone number is listed on my account and I requested that they remove my mom 's information so she stops receiving calls. I was told they are unable to remove my mom 's information without her approval. Additionally, I submitted an online payment for the past due amount at XXXX this morning, but my mom has still continued to get calls. When I spoke to the representative, he had no knowledge of my payment until he dug around the account a little bit. If a payment has been submitted, all debt collecting attempts should cease immediately. 
I work for a mortgage company and deal with CFPB compliance every day so I understand what constitutes as a violation and not sending me a billing statement or contacting me regarding a missed payment is 100 % a violation. I 'm not sure what can be done to rectify this situation, but something needs to be done. I 'm sure I 'm not the only borrower this happens to. 
Please remove my mom 's contact information from my account IMMEDIATELY. Being the main, direct borrower on the loan, I should have access to any account information that I need and should be able to request any updates to the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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 2016-12-13
Company: Peterson Enterprises, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received notification from Valley Empire regarding an outstanding account balance. I contacted them in writing to dispute the debt and provided them with my full account history regarding the debt through the time period they were claiming which showed my account number and that the account was in good standing. I then requested that they verify the debt and contact me in writing only in the future. I received a response in writing stating that the account that was owing was a different account number then mine and I needed to provide information for that one, which I only have one account as it is for a utility service for a single family residence. 

I then received notification from my employer that they had received an employer verification and that when they called them back the company identified themselves as a debt collector and that I had a debt owing. When I called the company regarding this matter they stated they needed to verify my information as they had n't heard from me, I informed them that I had receipts from the certified letters I had sent proving they had heard of me and that the debt was invalid which they objected to until I offered to provide them with a copy at which point they admitted they received the notification but had n't heard back from me. 

I asked that they verify the debt and provide me with proof, I did n't get it. I sent in my full account history and was told that it did n't matter as they have another account number within the same period of time of the full records I shared with them and that I have to provide them with proof of this " other '' account. They received my request for information and written correspondence only and a week later contact my employer for employment verification. They identified themselves to my employer as a debt collector and that they were obtaining information for a debt that I owe. They then denied receiving my request to verify the account information and only acknowledge after I confirmed that I could provide proof, but have yet to send any supporting documents as they claim the burden of proof is on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
XXXX XXXX harassment : I am in the process of appealing a medical debt with my provider, and have informed the collection agency for the hospital of this process ; including sending them a copy of the appeal letter and time-frame. i have also hired an attorney and have requested they contact my attorney going forward. They continue to call me repeatedly. Further, They are now calling me to harass me about my spouse 's income and have blatantly said " Your wife probably makes enough to take care of this. Where does she work, her name, last 4 of social security. '' They also have acted like they are calling from the hospital billing department and have said they work for the hospital when I asked them to identify them self. They refuse to listen when I have requested they do not call during work hours, and always call while I am working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 explanation
Consumer complaint received 2022-12-07
Company: DCN Holdings Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called a week ago and I told them they had the wrong number and they said they will take me off the call list. They called today and I tried to talk with someone and they just forwarded me to a message to pay something. My name is XXXX XXXX and they are asking for XXXX XXXX. This is not my debt and I wish not to be contacted again.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-03
Company: Lending Solutions Mortgage/ LSI Mortgage
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I bought a house XX/XX/2015 and had my mortgage through LSI. Through out the process so many concerns and problems happened. My first concern was that they sent me XXXX different closing disclosures with XXXX different interest rates and closing cost. We did not close on time bc they were not ready. I had to pay the mortgage of the house I was buying for a month to keep the contract as we didnt close on time. At time of closing apparently the title company did not receive all needed information and they also left out information required in their documents to the title company. Their was personal heartache involved as my mother was literally given 3 weeks to live during this and I was in another city with her ; I flew back on the originally close date to find out when I landed that we could not close that day- they knew the day before and still had me come and I missed 3 days with my mom bc of it! 
So these are my complaints, let me know if you can do anything.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: CA
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 my follow-up complaint about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I originally was in default on payments to a XXXX credit card, it was sent to collection, which I disputed. it remained on my report for 7 years and 6 months before it was due to be expunged, the debt reappeared on my credit report but from another source, JH Portfolio Debt Equities, a collection agency who bought the debt. However, without contacting me in any way they reported this debt as delinquent. I contacted them explaining that they were in violation of the Fair Debt collection Act and they should have contacted me PRIOR to posting it as adelinquent debt. They basically told me that they could do as they wish, and unless i was prepared to pay up the report would remain. After this they began reporting this debt each and every month since XXXX of 2015. I feel this both vindictive and an abuse of their power. I explained to them that at the time of default I was not unwilling to pay the debt, simply unable. 
Is there something you can do to have these multiple reports erased and further reports curtailed? I have rebuilt my credit and have had no issues with other lenders. I find it grossly unfair that these 'collectors ' of dubious origins and nefarious practices are allowed to wontonly destroy peoples credit because they can not collect. Had they contacted me PRIOR to reporting, I most likely would have agreed to a settlement to avoid my credit score being marred.

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 2017-04-02
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have requested validation of debt and all I keep getting from the company is a bill saying that they have validated which the person is not me. I ask for proof bearing my signature and they continue to show me nothing. but just say it been validated that its me and the letters and phone calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: CT
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:
A company requested my credit report on XX/XX/2023 when they should have not. They are suppose to call me to confirm with my Phone number. I did not apply For anything from this company to even request this. I am not sure if this is fraud. I will also report this to the ftc. The three credit bureaus should not have authorized anyone to pull my credit. Usually I get a phone call. I notice my old address from 5 years ago showing up. I have try to get this removed. has not Removed inquires that were on my credit report I am not sure were this is from.

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 2023-01-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello! 

My name is XXXX XXXX XXXX I am writing to file a complaint against paypal for dragging their feet to help me get my money back from a scammer. I have not heard from them. I have already filed a police report against the seller. I am waiting to return the fake items back to her for a full refund. However paypal has not disclosed her address for me to return for a refund. I paid almost {$14000.00} for two pieces of jewelries which turned out to be fake.

I purchased a pair of authentic XXXX XXXX  XXXX XXXX turquoise earrings for {$5700.00} and a XXXX XXXXXXXX XXXX XXXXXXXX turquoise bracelet for {$7900.00} from her on XX/XX/2023. 

The set were advertised as authentic and purchased from XXXX XXXX. The earrings bear serial number XXXX, bracelet bears number XXXX. Initially, i found both items on XXXX but she agreed to sell them to me off XXXX -- via Paypal payment. 

I received both items on XX/XX/XXXX. On XX/XX/XXXX, I paid for a serial look up service to confirm the serial numbers do belong to these two particular items. The lookup service result came out differently. Both of the serial numbers belong to different piece. One belongs to a necklace, the other belongs to a bracelet. The service also includes the dates the pieces arrive at the boutique as well as the dates they were sold. The names of the boutiques were also included in the report. I found the report reliable.

I reached out to the seller requesting a return for a refund. Seller refused. She stated that I received exactly what she advertised, XXXX XXXX XXXX XXXX  jewelries with the same serial numbers as in her listings. However I would like to add, if the serial numbers dont belong to the pieces, they are not original creations of the brand therefore they are fake and not as described. 

On the same day, I went to XXXX XXXX XXXX XXXXXXXX XXXX in XXXX. The sale associate confirmed the two serial numbers belong to two different creations of the brand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
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:
on XX/XX/2019 XXXX XXXX did a hard pull on my credit report causing a negative effect. i do not know this company nor did i authorize this credit report pull. please remove it. 


on XX/XX/2019 XXXX XXXX XXXX  did a hard pull on my credit report causing a negative effect. it was discussed and made clear that ONLY a soft pull would occur, not a hard pull. and, that a soft pull would in no way impact my credit score. please remove.

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 2023-11-09
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XXXX of XX/XX/2023 my checking account was hacked and funds that were there in the amount of {$410.00} was taken without my authorization. The bank sent me a text message for a total of three transactions in which they asked if I authorize those transactions and I gave an answer to no to all three. According to the bank they did not receive a response from me but I responded to all three requests they sent to me the first transaction was for the amount of $ XXXX a XXXX  department store in XXXX XXXX XXXX the other two transactions were both from a XXXX XXXX XXXX XXXX  . The amount for those two transactions were {$200.00}. while these transactions were processing I was working in the city that I reside in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit 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 filed a complaint yesterday about two other issues and now there is another one and since I requested they go fraud as they should have done on the first two and refused I now have the account closed waiting a new card and they will not give me any information reguarding anything on the old number and I can not se what is taking place. Paypal blames Synchrony Bank and you have to talk to another number which blames in reverse Sycnhrony Bank then blames Paypal and this has been going on for years it is a Paypal Mastercard issued by Synchrony Bank why so much trouble and they make everything very difficult like this transaction of XXXX on XX/XX/23 it took hours to get it anywhere to be fixed. They are not nice or easy to deal with. Also they are now showing me a - {$1500.00} Paypal Balance requesting me to add oney to resolve that issue which is in fraud or resolution to be handled and they are still trying to give that money to a fraud action from someone else. I am XXXX and need this resolved and I don't need all this stress as I live in pain XXXX and also a XXXX XXXX of the XXXX XXXX XXXX XXXX this is all adding to my pain and stress and fighting so hard to get this fixed and feel like I am getting nowhere. I waiting for a new card so have no access to my stuff on paypal which is kind of weird.

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 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 at approximately XXXX XXXX, my Bank of America Savings Account recorded an unauthorized transaction in the amount of {$2500.00}. 
The transaction was a XXXX payment from my Savings Account ( never used for a XXXX transaction in 10 years with this bank ) to the checking account of an unknown individual. 

Immediately upon discovery ( on the very same day of the fraudulent transaction ) I notified Bank of America, requested the bank accounts to be frozen and promptly filed a police report with the XXXX XXXX Police Department, Internet Crime Complaint Center ( IC3 ) and Federal Trade Commission. 

Bank of America was provided with all the documents described above along with a notarized affidavit ( in which I declare that I have not originated, approved or delegated in any way the disputed transaction ) and other documents they requested regarding the cyber-attack ( such as a notice letter from IBM of a data breach involving my sensitive data and screenshots of antivirus detections of malwares on my personal computer on the date of the transaction ). 

Bank of America denied the claim on the basis that I did not provide enough legal evidence of a cyberattack therefore I should be accounted liable of a fraudulent transaction from my " savings '' account to an unknown party. 

The claim was rejected 3 times because they keep arguing that I personally approved the transaction " since I did not provide the right amount of legal evidence of a third party tampering with my devices ''. The type of evidence they are requesting would only be accessible by the instruments of subpoena ( requested by a court of law ) or an expert letter/opinion which would cost by itself more than the disputed transaction. 

I spent hours investigating, filing complaints, waiting on hold over the phone or in one of their financial centers and requesting legal documents to parties which are not interested in cooperating since they do not want liability. 
I was forced by the bank to assume the burden of proof which I believe should not be on the customers ( victims of fraud are not all cybersecurity technicians or a bank investigators ). 
My consumer 's rights have been repetitively violated when I was requested to submit new and different types of evidence which were always difficult to obtain. 

Bank of America should be liable for breach of regulation E and breach of contract when their customers are subject to unauthorized fraudulent transactions. Their fraud departments should investigate the unauthorized transactions instead of asking customers to produce burdensome legal evidence. I am submitting this claim as my last resort before pursuing legal action in a court of law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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