BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I borrowed XXXX from Sallie Mae in XXXX. 

XXXX I filled for XXXX XXXX bankruptcy and listed Sallie Mae as a creditor. I made it clear that this lender was a priority due to the high XXXX interest rate. 

XXXX of XXXX I sold my home to pay all off all of my debts in full through the bankruptcy. 

XX/XX/XXXX I received a loan statement from Sallie Mae sent a statement that stated I owed them XXXX and that my XXXX payment was due on XX/XX/XXXX. 

When I asked my attorney what happened he said Sallie Mae did not file a claim, effectively taking them out of the bankruptcy and all the laws designed to protect a consumer. Their failure to file a claim removed thems from any payments from the trustees that would have reduced and ultimately repaid the loan in full. 

This is a predatory lending practice so a lender can continue to accrue interest on a loan and force the borrower to pay a much higher loan after bankruptcy. In this case nearly double the amount borrowed. 

None of this was disclosed to me by my attorney or Sallie Mae before or during the bankruptcy proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Carolina Finance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
There is a recovery place that has called me multiple times in a different state in which I do not reside that I was visiting over the holiday weekend. He contacted me on Saturday XX/XX/XXXX. Spoke with him gave him what my address was and told him that I did not reside in the state that he was contacting me from. Gave him what my address was. Was supposed to call him back but I did not. His name is XXXX XXXX he told me he was a recovery agent. The phone number he has been contacting me from is XXXX. He left me a voicemail that he will put an alert out for my car where i Can be pulled over on the highway and have it towed in. He said he was an investigator with the state. I have not since spoken with him since the XXXX but this voicemail came through on XX/XX/2018. For him to even say he can do this is a violation. He can not put an alert out on my vehicle and I dont know what kind of scare tactics he is trying to do but this is not fair treatment. Please advise. Thank you.

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 2018-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
About month ago, I contacted XXXX XXXX on a new account. It sent me to a company called XXXX XXXX  XXXX by mistake. I was told that I owed XXXX on a XXXX XXXX credit card that was discharged in bankruptcy. The credit card was in my name only. I informed the associate of Portfolio that it was discharged in bankruptcy. They sent a letter to my ex-wife demanding payment of a XXXX XXXX card for XXXX. I discharged that debt in bankruptcy too. These debts were mine alone. My ex-wife lives in Colorado and so do I. I live in Colorado too and filed for bankruptcy in Colorado and our divorce was in Colorado. These 2 accounts were in my name only. The company is harassing my ex-wife to pay on a debt that is not hers. This was discharged in a bankruptcy court. The account is XXXX. The phone number of the Portfolio Recovery Associates is XXXX. This affect my kids and they are affected and could be stressed with this debt management collections tactics. The bill says on it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it for non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay a debt, may restart the time period for the filing of a lawsuit against you ; but even if that were the case, we still will not sue you for the debt. ". I called on XX/XX/2018, and was told that XXXX dollars were owed by another Portfolio Recovery Associate because it affect my kids. I do not owe any money to XXXX XXXX, nor does my ex-wife because the account was under my name only. This debt was attached, once again to a bankruptcy and the company was informed twice of this. My bankruptcy attorney is working for another job and is not working as a bankruptcy attorney. This is why I am making my complaint to your organization. Please help! With warm regards, XXXX XXXX at XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with capital one bank I do not have a contract with XXXX XXXX XXXX, they did not provide me with an original contract that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have resolved this matter with the bank but XXXX is refusing to remove this from the file. The reported information has stopped me from getting bank accounts with other banks and creating business relationships with other banks. I have contacted the bank and they advised that i will need to get XXXX to remove 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 explanation
Consumer complaint received 2020-04-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX, my HSBC credit card Ending XXXX was stolen and make large purchases from XXXX XXXX and XXXX XXXX. I believed the totals were {$4200.00}. Then I called the bank HSBC and filed a dispute. They accepted the dispute for XXXX XXXX but refused the XXXX XXXX because they said the XXXX XXXX was in-person purchase. On XX/XX/XXXX, I check my HSBC account and fund out that they have put the charge from XXXX XXXX back on my balance. I called them and asked them why they put the charges back on my account. They told me that the Merchant had replied with evidence that the charges were done by me because they shipped items into the house that I lived at. I said to them that could be possible, but I do not make the purchases, and I lived with a bunch of people, and I do not know if XXXX of them maybe had stolen my credit card. They told me that the claim was denied. I requested for supervisor twice, and I was told the supervisor would call me back, but that never happened. Therefore, I am filing this complaint requesting HSBC to honor they promised to me that I am 100 % protected from unauthorized charges, and accept my dispute from XXXX XXXX and XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The alleged original debt was from XXXX for XXXX of services on an account that had been closed prior. The debt was assigned to XXXX XXXX XXXX XXXX XXXX in 2022. I immediately contacted XXXX XXXX XXXX, on XX/XX/2022, in writing to provide proof that the account had been closed on XXXX informed them that the servicer ( XXXX ) was trying to collect for services not rendered after the date of the closed account. I provided email confirmation of the closed account. Instead of responding to my request to correct the mistake, XXXX did not respond and instead assigned the alleged debt to XXXX XXXX XXXX On XX/XX/2022, I contested the debt again with XXXX. I did not receive a response. Now, it seems as though XXXX has assigned the item to Southwest Credit. Southwest Credit has NOT provided me with any necessary paperwork to date. 

I was alerted to this through my credit bureau. I am again contesting the validity of the debt and request prompt action in correcting the mistake. 

Each company has reported incorrectly to multiple credit bureaus. I request help and demand that each company correct their records AND work to remove any derogatory marks created on my credit report as a result. I also request confirmation that the matter is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Experian Information Solutions Inc.
State: SC
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:
After my complaint was filed with the CFPB. Expierian did not respond with the METHOD OF VERIFICATION as requested in my certified dispute letter dated on XX/XX/XXXX. Experians solution was that I contact the Agency about the incorrect data. I agree. That is why my certified letter requested names and phone numbers of individuals reporting the inaccurate unverified information so that I may contact them. Experian referenced the FCRA. If the Agency can verify the information why was my credit file not identified as disputed 30 days as per the FCRA.

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 2020-04-03
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX  2020 I contacted my current mortgage lender, NewRez LLC, about refinancing in order to decrease my monthly payment. After the initial application online, I corresponded by email and telephone with the loan consultant ( XXXX XXXX XXXX several times and was assured they could refinance at a lower payment. During this time, I informed the consultant the property was collateral on a business loan, but there was nowhere to include that information on the application. The consultant assured me this would not be an issue. I then paid {$470.00} to have an appraisal completed as part of the loan process. At this point I was handed off to a loan processor ( XXXX XXXX XXXX. I submitted several more documents and scheduled the appraisal which was completed. I was then contacted by the Title Company and asked to submit documents to my business loan bank so they could subordinate the loan for the mortgage. These documents were detailed and required several hours to complete. Several weeks transpired with no activity. I began inquiring with the loan processor and then the loan consultant via email and phone messages over the course of two weeks with no response. Finally, I received a response via email informing me the loan could not be completed due to the business loan plus the new mortgage amount exceeding the loan to value ratio. I forwarded the emails to the loan consultant of the initial notification of the business loan and his acknowledgement, asking if my appraisal fee would be refunded. To date, I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As the principal of the loan is paid down, interest rates are not adjusted correctly. Also, prepayment is not applied to to the principal and the lender, BMO HARRIS, has made no attempt to correct the matter. The representative even told me on the phone when I tried to address that there is NO WAY for additional funds to be put toward the principal. They have been fraudulently overcharging me for months. Many of these calls have been recorded as they have asked for my permission but the account hasn't been corrected. I am lucky to understand the powerful impact of compound interest. If they are doing this to me there must be many many more who think they are proactively paying their principal loan amount down when, instead, the lender is simply applying forward.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST

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 2022-04-14
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. 

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA.

Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified.

IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE.

I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX of XXXX, The State of California attached a {$20000.00} levy to my checking account for unpaid taxes, and without a warning, Bank of America withdrew and sent them money from my checking account. The same date, Bank of America also withdrew and kept a separate " Legal Order Fee '' of {$120.00}. I called BofA to try to get that fee reimbursed, but they reassured me it was a one-time non-reversible fee, and even though the legal order/ levy was still in place ( and would be for years while I get the taxes paid off ), I would never be charged a legal order fee again for this levy. I believed them, and so it remained in place ( status of PAID. ) A few months later in XX/XX/XXXX ( with BofA sending State of CA some payments from my account in the meantime ), BofA sent another payment to the State of California -- and another {$120.00} Legal Order Fee was charged. I noticed this and called BofA immediately. They apologized for the error, said they should not have re-charged me another fee for the already-existing levy that was atttached to my account, and refunded that fee to me. 

Fast forward to XX/XX/XXXX ( with several payments sent to State of CA in the meantime ). I was again charged a {$120.00} Legal Order Fee for the exact same levy that began in XXXX. 
Since then, I have spent many, many hours on the phone and in the branch attempting to have the erroneous ( and by this point, triple-charged " one-time '' fee ) removed by Bank of America. This time, instead of apologizing for their error and refunding the erroneous fee like they did in XX/XX/XXXX, they refuse to refund it to me -- and will not give an explanation of why I again have paid another " one-time '' Legal Order Fee. Several of the call center folks I spoke with even agreed with me that it is not right, but it is not in their power to refund it to me. I have reached the end of the escalation point of both the in-person branch in Sparks, NV and the customer service phone call center, so there is no one left to help me at Bank of America XXXX I have triple-paid this fee and now lost time from work and lost sleep trying to get them to do the right thing. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent the credit Bureaus letters asking them to verify the debt on my report. they have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: DISCOVER BANK
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a fraud investigation with Discover in XXXX after noticing fraudulent XXXX and XXXX XXXX  charges on my account. I am unable to provide exact dates due to the account being closed, only discover can access that at this point. I am also unable to provide exact amounts because it is multiple charges over a year and a half and I also do not have access to them any longer. Unfortunately I didn't realize them, but despite Discover 's " {$0.00} Fraud Liability Guarantee '' they denied my dispute after their 90 day investigation and charged me interest on the amount that wasn't even on my account during those 90 days. They did this despite insurmountable evidence that these charges were not made by me - most notably that I do not even have an XXXX XXXX  account and the XXXX account I do have I had not even used for three months ( since XX/XX/XXXX XXXX and my payment method is through XXXX and connected to my XXXX  XXXX XXXX debit card. I notified them immediately upon noticing the fraudulent charges but I was told, after them putting the thousands of dollars back on my card in XX/XX/XXXX, that they denied it because they felt that I should have been aware sooner, and that I had seen the XXXX charges ( not making the connection that my XXXX account and XXXX was on my XXXX  debit not my discover credit line ) which allowed for it to go on for another month longer before I made the connection, in which I had paid my discover bill during that time so that makes me guilty?. It is embarrassing enough having not realized I was being taken advantage of and been stolen from for this long but to have my credit card company that has a {$0.00} Fraud Liability Guarantee tell me that I am the one to blame and I have to pay for this thieves rides and dinners is extremely disheartening and the reason me and my entire family will be closing our discover accounts and never using them again. They should not be advertising and gaining business on a {$0.00} Fraud Liability Guarantee if they are going to deny fraud claims that are clearly fraud and high amounts of it.

Company response to consumer: Closed with explanation