BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have one loan with Sallie Mae for {$15000.00}. I had a forbearance due to Covid. Which I had to call numerous times to allow the forbearance to go through. I was given the run around. And the situation had to be escalated more than once until my account was adjusted. In XXXX I informed Sallie Mae that I was returning to school and what would I have to do to get an in school status. I was told that I would not have to do anything and my status would change once my session started. However I started getting billed. And I started receiving emails about past due amounts. I called and Sallie Mae kept saying they were waiting for my status to change. I then asked my school to fax confirmation I was in school. Which they did on XX/XX/XXXX. I called XX/XX/XXXX to see why my status had not changed. They told me to wait until XX/XX/XXXX and if its no change to call back. It is now the XXXX and Ive had to call again because now I am being threatened to have a negative payment on my credit report. I called and told them Ive submitted paperwork and that my status should have changed by now. I was initially talked over and told that the paperwork was invalid. It wasnt until I talked to a supervisor that I was told my paperwork was correct and it should change in a few days. It is frustrating and mentally draining to have to constantly call about the same issue while they take their time to help resolve issues.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The cashier at XXXX XXXX coerced me into opening a new store credit card with them when I already have one open. The account that I didn't know exist is the one I'm having trouble with. I am an XXXX  woman with XXXX and I felt taken advantage up to help their credit card quotas on opening new cards. I would not want to open a second credit card with them whatsoever and after I realized it by checking my credit card, I tried to resolve it with them with no avail. I feel this is abusive to my elderly status as well as my mental capacity and I wish to have the account removed, along with the lates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect address/addresses on 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 2017-12-30
Company: BB&T CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage moved from XXXX to BB & T, I had been a XXXX customer for 10 plus years, in those 10 years, we have not been late on any payments. Starting XXXX ( thru XXXX XXXX, BB & T has reported me late to the Credit bureaus although we have not been late. BB & T receives two payments for the mortgage ( one from me and the other from my mother in law ), it appears that one payment is always reversed and is not corrected til a later date ... I have contacted BB & T and they acknowledge that I have not been late and correct it in their system, however, when I asked for the Credit bureaus to be corrected, BB & T is not correcting the CB 's. My score has dropped over 75 points. I am trying to purchase a house and this has had extreme negative impact on my score. In addition, had I not been monitoring my credit as closely as I do, I would not have seen this issue and it would be too late for resolution. I have tried to work with BB & T as well as the credit bureaus ( submitted disputes ) with no corrections in my Credit Report. I need to have my credit report corrected to reflect that i have NOT been 30 days late.

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 2017-07-12
Company: Uber Technologies Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I been having issues with my private bank for years. So it 's wise to say I been monitoring the financial violations on my accounts. And life. So using Uber was safe and affordable. Until I began to be charged with driver Cancellations. And not given accurate quotes. Even being placed with abusive drivers. I had to report to Law enforcement. So this last insult by  UBER  drivers. Has driven me to file a consumer complaint & seek legal actions for the emotional distress I endured from being a loyal member of  Uber  and these banking organizations. Since I know the injustice of the banking world to prove this claim is the cause of my consumer report. I would like  Uber  to credit the account they been taking funds from. When they state they credit me. I am unable to speak to a live representative for my credit. So this complaint is so Uber can refund my debit Card the funds and credit owed to me by driver and technological error. So I can file my complaints with my banking as well. For the overdraft fees etc ... Years of being violated has lead me to want to seek legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
These are not my accounts. Please 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 2017-09-14
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Credit Bureaus are required to let me put a freeze on my credit report. I have been trying for several days to put a freeze on my Equifax credit report. When I enter the data in their online form I get an error. The is no number listed on their contact page for calling to freeze a credit report -- the links just go to the online form. When I call the fraud alert number ( XXXX ) all I get is a busy signal. 

I want to emphasize that this has been happening for several days. It is n't a one-time occurrence or short term outage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
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:
1. Experian is duplicating my account on XXXX XXXX XXXX as a negative and its paid. 
2. Experian is reporting my XXXX account under potentially negative 3. Reporting as open in the potentially negative section on Experian

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 2021-03-24
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no information about this debt. 

I learned of it, checking my credit. 

I have tried multiple times to get information regarding this. 

I do not have an account number or the original company, I can not confirm or deny this. 
I have submitted multiple queries to the credit bureaus, 2 of which have dismissed it and I do not know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: JPMORGAN CHASE & CO.
State: MD
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:
I have been the victim of  Fraud  starting   XX/XX/XXXX . Chase   Card obtained unauthorized copies of my  XXXX  and   XXXX   reports sending Hard nq uiries on the following dates  :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I co ntacted Chase Bank at  XXXX . They sent me to their Lost  Prevention Team and they told me that they can not find me in their system. I contacted  XXXX  and  XXXX  and they can not understan how they can not find my information when they are the ones asking for the information. I never applied for Chase Card, I believe I was th e victim of fraud because when I obtained my credit report, there are many errors with my name. It shows  XXXX   XXXX ,  XXXX   XXXX   XXXX . I am attaching a formal complaint I did as well as all the ahrd inquiries Chase did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: TX
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:
There are many mistakes appear in my report without my understanding.

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 2019-10-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Paypal did not inform me that my account was being taken over by synchrony bank.Synchrony bank did not authorization to put account on the credit report.Synchrony put a closed account on my credit reports which dropped my scores by 30 plus points.No contract or disclosures were signed with synchrony bank.

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 2018-01-30
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
they keep saying that these accounts are mine without any prove. I have no idea what these accounts that are being reported on my credit report are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank : First National Bank I had an account with {$650.00}. On XXXX, I withdrew the {$650.00} to another account to pay my mortgage. Upon withdrawal, the bank charged me a {$0.00} fee to transfer the funds. This resulted in a {$650.00} transaction, but I only had {$650.00} in my account. The bank charged me two fees due to a {$0.00} overdraft ( {$12.00} ( XXXX ), and {$37.00} ( XXXX ) ). How a {$650.00} transaction was able to go through when I only had {$650.00} is beyond my belief. I have tried to dispute the fees but the bank is not being cooperative. They said they would call me back, but I have not heard back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have bank with Ally for roughly 8 years between 4 different auto loans between joint with my wife or just myself. At least once a year I make a Lump Sum principal payment to reduce my overall due and reduce my monthly payment. 

I made one on XX/XX/XXXX which per company guideless is required to be equal to 4 months worth of payments ( XXXX x 4 = {$1100.00} XXXX I paid {$1200.00}. 

The company via 7 different call, numerous emails as messed it up this time around. I was paid ahead tillXX/XX/XXXX after myXX/XX/XXXX payment & before the Lump. 

They gave me the option to move my monthly forward to help. I agreed toXX/XX/XXXX without  issue. However, monthly has still not lowered they are asking me what it should be. 

When my loan went into play XX/XX/XXXX my payments were slated at {$310.00}, the first Lump was XX/XX/XXXXfor {$1300.00} which reduced me by {$22.00}. Not sure what the issue is this time around

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 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
transunion reported 28 % credit usage and dropped ficos score from XXXX to XXXX, my credit usage is 12 %, i trans funds to my discover card at a special rate leaving XXXX balance, they added both together saying i owed XXXX when it is XXXX, this caused a denial of an account i applied 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 2017-07-12
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency is Trident Asset Management. The original creditor was XXXX. In XX/XX/XXXX I bundled my XXXX XXXX, XXXX phones and my XXXX XXXX in a bundle plan. All was fine until XX/XX/XXXX when XXXX XXXX increased rates and we went back to cable. I cancelled my XXXX XXXX and continued my service with XXXX. After we sold our home in XX/XX/XXXX I get a bill in the mail from XXXX XXXX telling me I owed them {$240.00}. I called and told them it was paid to XXXX through the bundle. I called XXXX and asked if I owed any money and if there was a problem. XXXX said I did n't owe any money other than my monthly payment. In XX/XX/XXXX I check my credit report which says now I owe {$1000.00}. I disputed this amount. I did n't receive any letters. I called XXXX, who says I do not owe this money. When I called Trident, they hung up on me. I did speak to a rep later that day who told me to go to the website and pay but she did n't offer a resolution letter. I want this off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Stenger & Stenger, P.C
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I was contacted around XXXX at my previous mobile number ( XXXX ) by a representative from XXXX XXXX XXXX XXXX XXXX ). The representative informed me that for a XXXX time payment of {$120.00} I could settle the amount I owed- over $ 400- on my XXXX XXXX credit card account. The agent had a XXXX  accent. On XX/XX/XXXX my bank, XXXX XXXX XXXX XXXX paid them {$120.00}. On XXXX XXXX XXXX I received a letter from the same company about the same Credit card account. I called and spoke with a representative who said that the letter had just crossed in the mail and I should disregard. Once again that representative spoke with an accent. Today, XX/XX/XXXX, I received a letter from another collection agency- Stenger and Stenger- XXXX XXXX out of XXXX XXXX XXXX MI, regarding the same credit card account for a different amount of {$910.00} and a Settlement offer of and other options. At tis point I contacted the number I have for XXXX XXXX XXXX ( XXXX ) and there is a recording saying " We no longer service your account '' and directed me to call a different XXXX number- ( XXXX ), which comes up as XXXX XXXX XXXX I do not know if this is a blanket recording or not but I called XXXX from my new phone number which they do not have. When I spoke to the representative who was allegedly with XXXX  ( OBTW- he too spoke with an accent ), he informed me that they did have collection agencies and XXXX XXXX XXXX XXXX XXXX that they used. He asked me to give him my ss # or the telephone number associated with my account. I said I do not have an XXXXXXXX and never have, He said he could try to bring up my account with XXXX XXXX with my SS # or phone number I said I did not feel comfortable. He said visit the XXXX website and call the number on the website. I already told him before I do not and never had XXXX He knew the only thing I could do is apply for one or log in if I already had an account. This account has already been resolves on my Credit report as closed. Neither of these companies should be trying to collect this debt. I already paid the first settlement offer with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: DriveTime
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car on XX/XX/XXXX with Drivetime auto returned it on XX/XX/XXXX. They advised that I could turn the car back within 5 days which I did they advised if I was not satisfied with the car I would receive my deposit back of {$590.00} for nearly two weeks they have had me back and forth advising they are waiting on a check from corporate office in order to refund me my money. After being back and forth for 2 weeks they now advise they are not giving me my money back and that I was lucky they did not charge me more. More than anything this has been a deceptive way of keeping my money they gave me paperwork showing the deposit and I never thought that I would have to go through this to get my money back after this being my second car loan with this company. If they are doing this to me they are doing this to many other people making people believe they are returning the money having you back and forth and after two weeks then put you on to the manager and tell you that you are not getting your deposit back. I should not have to keep calling your office and coming by and running up and down for nothing this is deceptive disgusting and needs to stop I want my money back I do n't have your car you gave me the run around for 2 weeks and having me stop my day calling you and coming by your office this is unacceptable to the consumer. I got a piece of paper showing my {$590.00} he had me back and forth for my money no one understands all of this other than they do I only want my money back as they agreed verbally for more than 2 weeks that I would get it back.

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