BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: SLM CORPORATION
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have already filed one complaint regarding an inability to access my account to verify payments. 
The vendor -- Sallie Mae -- responded with a letter stating they received my last payment, but the balance due is incorrect and they refuse to allow me to verify payments and balance due. 
The balance was {$26000.00} in XX/XX/2021 according to their website. Sallie Mae is now stating the balance to be nearly {$30000.00}. 
The stated balance is incorrect, and their refusal to grant me access to the entire account is problematic. 

In addition to Sallie Mae refusing to give me a complete accounting, they have responded to me with a letter they placed under my account on their website -- Which I can not access. 
I responded to the notification of the letter placed in my account, and I received a bounceback response the mailbox is not monitored. 

Sallie Mae did send me a letter stating they received a payment in question, but again, they do not give me any accounting details to authenticate the balance they state is due. The balance does not agree with the records I have. I believe they have added illegal additional interest and fees, but without an accounting by Sallie Mae, I can not verify the purported balance due. 

Sallie Mae is intentionally denying me the ability to verify their accounting and their accounting appears to be incorrect or blatently false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had an income based repayment and now they are stating that they can no longer to it ... I cant get a job in the field I went to school for because this school wasnt accrediated ... I dont understand why I'm even needing to pay these back when they should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As a long time PNC customer of 2 decades or more including XXXXXXXX XXXX I am filing this due to the lack of resolution of a floating $ XXXX that has impacted my credit score and financial reputation/ status with creditors as well as lack of service recovery.

As a registered nurse in administration I am very aware of how important customer service and empathy are to clients and I have not experienced that with my assigned PNC case manager the past two months. This unresolved issue has been ongoing since XX/XX/XXXX so I will try my best to abbreviate the timeline. 
Let me preface this by saying, most every PNC frontline representative I have interacted with has been extremely polite, providing personal attention and demonstrated empathy and care. But XXXX XXXX my assigned case manager ( XXXX ) has not. If he is good at the technical and operational aspects of his job, great ; but he should not be front facing with customers. He has been terse, displaying little to no empathy, inattentive and documented in my case records/notes that he called me and left a message when he did not. Abbreviated timeline as follows : XX/XX/XXXX - $ XXXX balance transfer check deposited into PNC ATM at my place of business ( XXXX XXXX ) XX/XX/XXXX check cleared and deposited into my PNC checking XX/XX/XXXX $ XXXX payment to XXXX XXXX from my PNC checking XXXX $ XXXX Check returned to maker ( XXXX XXXX XXXX  ) RESULTING IN MY ACCOUNT OVER $ XXXX IN THE NEGATIVE XX/XX/XXXX Three PNC overdraft fees of $ XXXX generated XXXX Pulled $ XXXX from my personal NON-PNC savings accounts and deposited into PNC checking to cover the negative balance and cover automated withdrawals i.e. bills and mortgage XX/XX/XXXX XXXX provided me a Banks Claim of Later Return document verifying that PNC ( XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ) requested the funds back on XXXX after they were returned to XXXX XXXX XX/XX/XXXX Spoke with XXXX @ PNC who informed me the $ XXXX was sent back to XXXX on the XXXX and it should take 3-4 days. 
XXXX XXXX never received ; balance remains on my XXXX credit card. 
XX/XX/XXXX After complaining about not hearing back from XXXX XXXX PNC XXXX he returns my call and tells me the $ XXXX was NOT sent to XXXX on XX/XX/XXXX as I was originally informed and now I needed a letter of indemnification. 

As mentioned, I am a long-time customer who uses PNC as my primary banking institution and my home mortgage is with PNC. Now I am at a complete loss and convinced I need to refinance my mortgage and move my banking business elsewhere. In addition to the $ XXXX, there is the {$1000.00} balance transfer fee, {$69.00} late fees, {$32.00} interest charges, totaling {$22000.00} owed to XXXX and reflected as a balance owed by me. Additionally, the {$100.00} PNC overdraft fees. Lastly, my credit score is now XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: EQUIFAX, INC.
State: CA
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:
Loan was paid off to XXXX XXXX XXXX XXXX but still shows an unpaid/charge off. Letters onXXXX2018 were send to Equifax, XXXX and XXXX to update and or delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: DISCOVER BANK
State: NY
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:
Discover card placed a hard Inquiry to XXXX without my knowledge or authorization on XXXX XXXX 2016. 

I have done everything Discover has asked me to do as they have admitted they have no knowledge why I have an Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I noticed my XXXX credit card statement had a {$26.00} charge for services I never requested let alone used ( I never requested a credit report ). When I called TransUnion they indicated I had signed up for an unlimited credit request since XX/XX/XXXX. I called I asked to stop the service immediately on XX/XX/XXXX and requested a credit for the entire time period, I was told that would be escalated but the service would stop. I called again on XX/XX/XXXX and spoke to " XXXX '' who indicated the first person didn't stop the service so I was charged in XXXX for another month of service. He stopped it and told me the entire amount would be credited back ( XXXX years ), however since it was more than XXXX  months I would have to wait XXXX  days for a check to be sent. I followed up on XXXX requesting the credit ( check ) be mailed sooner than XXXX  days since I would be traveling in XXXX. I got a call back on XX/XX/XXXX from a Supervisor indicating that I would indeed get the check but would have to wait. I called again in XXXX and was told the month of XXXX didn't count within the XXXX  day waiting period. I called finally on XX/XX/XXXX and was told the check should be arriving any day and finally I called today XX/XX/XXXX and was told a Manager would get back to me in XXXX business days for an update. Each call meant XXXX hours of waiting/talking time with anywhere from XXXX people per call. I really believe they shuffle you between departments where no one can answer a question or help you to the point they just want you to give up. The dollar amount I was promised back on XX/XX/XXXX that was approved and would be paid to me is {$720.00}, they just don't seem to have any interest in sending me the payment.

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 2018-01-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, TD Bank is blocking me from withdrawing my money from XXXX XXXX XXXX on XXXX and today XXXX. I called to let them know and they said they did n't have anything to do with it but this has happened to a few of my friends using TD Bank as well. Now I ca n't get to my hard earned money unless I switch to another bank, this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
I signed papers for a car from XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Indiana, but I never picked the car up. 
I never paid the down payment. 
I never Registered the car. 
I never got the car insured. 
I never drove the car off the lot. 
I let my sales agent know that I no longer wanted the car ( XXXX XXXX ). 
GM Financial is requesting to pick up the car ( that I don't have ) which I voluntarily surrendered and informed them that the car is still at the dealership. 

The dealership is saying that the car is not there and they do not know where their car is. 
GM Financial and I both have been trying to contact the dealership regarding the wear about of the vehicle and they are saying it is not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 has violated my rights XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 account have no LAST DATE OF ACTIVITY and other errors. These are not my accounts. Please remove ASAP. 

U S DEPT OF EDXXXX : 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 2020-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a business credit card with Bank of America today Monday, XX/XX/2020. 

I did not get an application number or a decision from the bank. But their is a hard inquiry on my XXXX and my XXXX credit score is XXXX as of XX/XX/2020.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2022-12-11
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased flights from XXXX for {$660.00}. There was a service fee {$76.00}. 

The total purchase was for {$4800.00} and made with a single transaction. 

The refund was broken into multiple transactions leaving {$660.00} unreturned in addition to a {$76.00} transaction fee. 

I have spoken with my bank PNC located at XXXX XXXX XXXX, XXXX, XXXX  XXXX in person with a banking representative. 

PNC refunded all but {$730.00} ( XXXX ) from the original purchase of {$4800.00}. PNC refuses to refund the remaining amount due back. 

PNC states monies can't be returned because we are outside the dispute windows. This is a contradiction since already refunding the majority of the original transaction. 

PNC has already refunded the majority of the original transaction providing proof a refund is due. PNC separated the transaction and refunded the majority of the transaction while refusing to refund the remaining {$730.00}. 

The transaction can't be outside the dispute windows and inside the dispute windows at the same time. Clearly the dispute was was within the dispute window or the refunds already processed would not have been valid. 

PNC clearly is contradicting their own policies and has lied verbally and in writing to me. 

Here are my terms : PNC will refund the remaining {$730.00} within 30 day to the account it originated from. If all of the funds are not retuned by XX/XX/XXXX, I will file XXXX XXXX PNC and will be asking for restitution for lost time, wages and counsel. Time lost will be billed at $ XXXX. XXXX hours spent to correct this error would be billed @ $ XXXX = {$6000.00}. 

PNC representative involved XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
State: OH
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 account have no LAST DATE OF ACTIVITY and other errors. These are not my accounts. Please remove ASAP.

U S DEPT OF EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I requested an update on my credit disputes which were mailed to Transunion with required identifying documentation on XX/XX/. Transunion acknowledged receipt on XX/XX/. No investigation was ever done nor was information confirmed so I called Transunion again today XX/XX/XXXX  to check on the status of the dispute because it is far past the 30 day deadline to investigate and provide a response. I spoke with XXXX ( at Transunion ) at XXXX on XX/XX/. He stated no investigation has been done nor even begun from my XX/XX/ disputes. This is willful noncompliance. For the sake of clarity, I disputed XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX  as the information is not correct. Because Transunion did not investigate my dispute request, I demand that Transunion remove all negative credit entries and/or process a full goodwill deletion on these account mentioned. Please hold this credit bureau accountable for their habitual noncompliance. Thank you kindly for your prompt attention to this matter.

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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt nor therefore any such debt, in fact therefore exist. 

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 2022-12-12
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting this procedure in case of disputed completeness and accuracy.

15 U.S.C. 1681 Section 602 : States I, the consumer have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681b ( a ) ( 2 ) Permissable Purpose Can you please reinvestigate the accuracy and completeness list of accounts below : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have complained several times before to try and get some assistance with this issue. I have received several letters from Experian stating that this public record that is reporting is accurate. This public record is not accurate and I have contacted both the courthouse and XXXX XXXX, which is who the company has told me has verified my public record. 

This is a blatant lie and a true misrepresentation of my credit report and my husbands credit report and I want this removed ASAP. I am tired of continously having to fight for my innocence in this situation.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting this procedure in case of disputed completeness and accuracy.

15 U.S.C. 1681 Section 602 : States I, the consumer have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681b ( a ) ( 2 ) Permissable Purpose Can you please reinvestigate the accuracy and completeness list of accounts below : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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